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$14,118
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$446/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$427/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,110/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,942
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$535/mo
Today · 4.125%
HK$18,004
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$36,008/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,353
−HK$513/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$20,913
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$624/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,283
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,989
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$598/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$803/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$769/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,370
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,159 · 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).