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$14,155
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$448/mo
Today · 4.125%
HK$15,043
baseline
▲ 0.50% · 4.625%
HK$15,958
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,086/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,747
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,170
−HK$428/mo
Today · 4.125%
HK$16,598
baseline
▲ 0.50% · 4.625%
HK$17,473
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,196/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,986
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,514
−HK$537/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,149
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,102/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$514/mo
Today · 4.125%
HK$19,918
baseline
▲ 0.50% · 4.625%
HK$20,968
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,836/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,817
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$627/mo
Today · 4.125%
HK$21,060
baseline
▲ 0.50% · 4.625%
HK$22,341
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,120/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,637
−HK$600/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$806/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,647/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$771/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,762 · 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).