The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,131
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$446/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$428/mo
Today · 4.125%
HK$16,570
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,140/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,485
−HK$536/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$513/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$20,932
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,399
−HK$625/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,009
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,599
−HK$599/mo
Today · 4.125%
HK$23,198
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,396/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,436
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,227
−HK$804/mo
Today · 4.125%
HK$27,031
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,062/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,297
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,056
−HK$770/mo
Today · 4.125%
HK$29,826
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,652/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,719 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).