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$14,136
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$447/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$428/mo
Today · 4.125%
HK$16,576
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,152/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,964
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$536/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,872
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$513/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$20,940
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$626/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$599/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$804/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$770/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,943 · 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).