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$14,129
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$446/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$428/mo
Today · 4.125%
HK$16,568
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,136/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$536/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,862
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$513/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$20,929
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$625/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,006
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$599/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$804/mo
Today · 4.125%
HK$27,027
baseline
▲ 0.50% · 4.625%
HK$28,672
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,054/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,293
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,052
−HK$770/mo
Today · 4.125%
HK$29,822
baseline
▲ 0.50% · 4.625%
HK$31,394
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,644/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,625 · 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).