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$14,575
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$460/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$441/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,182/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$552/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$529/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$645/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$617/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$829/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$794/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,199 · 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).