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$14,120
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,559
−HK$446/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,708
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$428/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$535/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$19,102
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$513/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$624/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,286
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$599/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$804/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,653
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$769/mo
Today · 4.125%
HK$29,802
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,604/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,222 · 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).