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$14,595
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$461/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,236
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$442/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$554/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,224/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,484
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$530/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,619
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,068
−HK$646/mo
Today · 4.125%
HK$21,714
baseline
▲ 0.50% · 4.625%
HK$23,035
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,428/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,731
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$618/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$831/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,616
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,225
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,009
−HK$795/mo
Today · 4.125%
HK$30,804
baseline
▲ 0.50% · 4.625%
HK$32,428
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,608/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,043 · 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).