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$14,136
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$447/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$427/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,490
−HK$537/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,871
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$514/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$625/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$599/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,429
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$804/mo
Today · 4.125%
HK$27,040
baseline
▲ 0.50% · 4.625%
HK$28,685
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,080/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$770/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$154,917 · 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).