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$14,130
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$447/mo
Today · 4.125%
HK$15,016
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,032/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,719
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$428/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,442
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$536/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$19,116
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$513/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$625/mo
Today · 4.125%
HK$21,022
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,044/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,597
−HK$599/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,225
−HK$804/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,644/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,295
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$770/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,662 · 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).