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$14,142
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$447/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,733
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,155
−HK$428/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,166/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,971
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$536/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$19,133
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,070/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$514/mo
Today · 4.125%
HK$19,900
baseline
▲ 0.50% · 4.625%
HK$20,949
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,800/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$626/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,321
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,617
−HK$600/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,248
−HK$805/mo
Today · 4.125%
HK$27,053
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,106/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,080
−HK$770/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,214 · 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).