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$14,573
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,027
−HK$460/mo
Today · 4.125%
HK$15,487
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,974/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,213
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$442/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$900/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,488
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$553/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$1,130/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$529/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,403
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,037
−HK$645/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$618/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,048
−HK$829/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$794/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,381
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,107 · 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).