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$14,125
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$447/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,714
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,135
−HK$428/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,950
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$536/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,362
−HK$513/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$625/mo
Today · 4.125%
HK$21,015
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,030/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,999
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,589
−HK$599/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,410
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$803/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,644/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,285
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,043
−HK$770/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,440 · 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).