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$14,146
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$447/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,948
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$428/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,176/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$537/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$19,138
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,885
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$514/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$20,955
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$626/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,033
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$600/mo
Today · 4.125%
HK$23,223
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,446/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$805/mo
Today · 4.125%
HK$27,060
baseline
▲ 0.50% · 4.625%
HK$28,706
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,120/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$771/mo
Today · 4.125%
HK$29,858
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,716/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,378 · 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).