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$14,585
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$460/mo
Today · 4.125%
HK$15,499
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,998/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,226
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$441/mo
Today · 4.125%
HK$17,102
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,204/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,502
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$553/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,471
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$530/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,419
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$645/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$23,020
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,716
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$618/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,253
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$830/mo
Today · 4.125%
HK$27,899
baseline
▲ 0.50% · 4.625%
HK$29,597
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,798/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,206
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$795/mo
Today · 4.125%
HK$30,784
baseline
▲ 0.50% · 4.625%
HK$32,407
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,568/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,617 · 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).