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$14,568
−HK$447/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$913/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$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$428/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,954
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$535/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$513/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$625/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$599/mo
Today · 4.125%
HK$23,194
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,388/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,431
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$804/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$770/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,603 · 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).