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$14,604
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$462/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,464
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,040/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,247
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$442/mo
Today · 4.125%
HK$17,124
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,248/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,525
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$554/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,757
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,248/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,496
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$530/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,632
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,445
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$646/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,745
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$619/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$830/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,700/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$796/mo
Today · 4.125%
HK$30,824
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,625/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,648/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,447 · 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).