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$14,582
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$460/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,439
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,992/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,222
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$442/mo
Today · 4.125%
HK$17,099
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,198/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$553/mo
Today · 4.125%
HK$18,596
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,192/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,467
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$530/mo
Today · 4.125%
HK$20,519
baseline
▲ 0.50% · 4.625%
HK$21,600
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,038/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,050
−HK$645/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$618/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,248
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,064
−HK$830/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,697/mo
Deposit HK$639K · loan HK$5.76M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,200
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$795/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,622/mo
Deposit HK$639K · loan HK$5.76M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,492 · 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).