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$14,142
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$447/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,943
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,733
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,155
−HK$428/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,166/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$536/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,879
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$513/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$625/mo
Today · 4.125%
HK$21,040
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,080/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,026
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,617
−HK$599/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$805/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$771/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,189 · 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).