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$14,592
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$462/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$442/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,220/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$554/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$530/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,428
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$645/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$618/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,265
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$830/mo
Today · 4.125%
HK$27,912
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,824/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,219
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,003
−HK$795/mo
Today · 4.125%
HK$30,798
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,596/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,908 · 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).