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$14,127
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,567
−HK$446/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,026/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,717
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,138
−HK$428/mo
Today · 4.125%
HK$16,566
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,132/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,953
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,480
−HK$536/mo
Today · 4.125%
HK$18,016
baseline
▲ 0.50% · 4.625%
HK$19,112
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,032/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,366
−HK$513/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$625/mo
Today · 4.125%
HK$21,019
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,038/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,003
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$599/mo
Today · 4.125%
HK$23,192
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,384/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,429
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$804/mo
Today · 4.125%
HK$27,024
baseline
▲ 0.50% · 4.625%
HK$28,668
+HK$1,644/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,048/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,290
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,049
−HK$769/mo
Today · 4.125%
HK$29,818
baseline
▲ 0.50% · 4.625%
HK$31,390
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,636/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,553 · 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).