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$14,156
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,596
−HK$447/mo
Today · 4.125%
HK$15,043
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$916/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,086/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,748
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,170
−HK$429/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,987
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,515
−HK$537/mo
Today · 4.125%
HK$18,052
baseline
▲ 0.50% · 4.625%
HK$19,150
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,104/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,898
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$515/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$20,969
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,434
−HK$627/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$600/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$805/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$771/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,791 · 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).