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$14,159
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$447/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$916/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,751
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$428/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,990
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$537/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,154
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,902
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$514/mo
Today · 4.125%
HK$19,923
baseline
▲ 0.50% · 4.625%
HK$20,973
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,846/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,822
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,439
−HK$626/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$600/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,486
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$806/mo
Today · 4.125%
HK$27,084
baseline
▲ 0.50% · 4.625%
HK$28,732
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,168/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$771/mo
Today · 4.125%
HK$29,884
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,768/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,922 · 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).