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$14,611
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,065
−HK$462/mo
Today · 4.125%
HK$15,527
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,054/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$443/mo
Today · 4.125%
HK$17,133
baseline
▲ 0.50% · 4.625%
HK$18,036
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,266/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$555/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$530/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,455
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,092
−HK$646/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$23,061
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,367
−HK$619/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,118
−HK$831/mo
Today · 4.125%
HK$27,949
baseline
▲ 0.50% · 4.625%
HK$29,649
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,898/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,258
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,043
−HK$796/mo
Today · 4.125%
HK$30,839
baseline
▲ 0.50% · 4.625%
HK$32,464
+HK$1,625/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,678/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,758 · 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).