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$14,140
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$447/mo
Today · 4.125%
HK$15,027
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,054/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,731
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$428/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,162/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,968
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,496
−HK$536/mo
Today · 4.125%
HK$18,032
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,064/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,877
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,383
−HK$514/mo
Today · 4.125%
HK$19,897
baseline
▲ 0.50% · 4.625%
HK$20,946
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,794/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$626/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$599/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$805/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,645/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$770/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,117 · 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).