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$14,153
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,593
−HK$448/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,745
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$429/mo
Today · 4.125%
HK$16,596
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,192/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,984
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,512
−HK$537/mo
Today · 4.125%
HK$18,049
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,098/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,894
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,401
−HK$514/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$20,965
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,830/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$626/mo
Today · 4.125%
HK$21,057
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,114/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,043
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,634
−HK$600/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,475
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$805/mo
Today · 4.125%
HK$27,073
baseline
▲ 0.50% · 4.625%
HK$28,720
+HK$1,647/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,146/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,341
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$771/mo
Today · 4.125%
HK$29,872
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,744/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,676 · 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).