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$14,145
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$447/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$429/mo
Today · 4.125%
HK$16,587
baseline
▲ 0.50% · 4.625%
HK$17,461
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,174/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,974
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,502
−HK$537/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$19,136
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,884
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,390
−HK$514/mo
Today · 4.125%
HK$19,904
baseline
▲ 0.50% · 4.625%
HK$20,953
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,808/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,803
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$626/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,326
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$599/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,253
−HK$805/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,704
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,325
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,085
−HK$771/mo
Today · 4.125%
HK$29,856
baseline
▲ 0.50% · 4.625%
HK$31,430
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,712/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,333 · 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).