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$14,571
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,024
−HK$461/mo
Today · 4.125%
HK$15,485
baseline
▲ 0.50% · 4.625%
HK$16,427
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,970/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,210
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$441/mo
Today · 4.125%
HK$17,086
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,172/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$553/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$529/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,584
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$645/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,998
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$618/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,044
−HK$829/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,569
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,179
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$794/mo
Today · 4.125%
HK$30,755
baseline
▲ 0.50% · 4.625%
HK$32,376
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,510/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,016 · 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).