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$14,615
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,069
−HK$462/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,259
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$442/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,538
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,083
−HK$554/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$530/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$647/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,762
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$619/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$831/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$797/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,921 · 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).