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$14,600
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$461/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,242
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$441/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,022
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,238/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,520
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$553/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,490
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$530/mo
Today · 4.125%
HK$20,543
baseline
▲ 0.50% · 4.625%
HK$21,626
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,086/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,440
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$646/mo
Today · 4.125%
HK$21,721
baseline
▲ 0.50% · 4.625%
HK$23,043
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,442/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,739
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$618/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,279
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$830/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,627
+HK$1,700/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,854/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,236
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,020
−HK$795/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,264 · 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).