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$14,134
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$447/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$428/mo
Today · 4.125%
HK$16,574
baseline
▲ 0.50% · 4.625%
HK$17,448
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,148/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,489
−HK$536/mo
Today · 4.125%
HK$18,025
baseline
▲ 0.50% · 4.625%
HK$19,122
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,050/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,869
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$514/mo
Today · 4.125%
HK$19,889
baseline
▲ 0.50% · 4.625%
HK$20,937
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,778/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$625/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,014
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$599/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$805/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$770/mo
Today · 4.125%
HK$29,833
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,666/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,864 · 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).