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$14,139
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,579
−HK$446/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,940
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$428/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,158/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,494
−HK$536/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$19,128
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$514/mo
Today · 4.125%
HK$19,895
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,790/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,410
−HK$626/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,316
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$599/mo
Today · 4.125%
HK$23,211
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,422/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,450
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,241
−HK$805/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$770/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,053 · 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).