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$14,593
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$461/mo
Today · 4.125%
HK$15,508
baseline
▲ 0.50% · 4.625%
HK$16,452
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,016/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,235
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,670
−HK$442/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,014
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$553/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$530/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,430
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$646/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,729
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$619/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$830/mo
Today · 4.125%
HK$27,915
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,830/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$795/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,425
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,981 · 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).