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$14,583
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$460/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,440
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,994/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,223
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$441/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,001
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,200/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,500
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$553/mo
Today · 4.125%
HK$18,597
baseline
▲ 0.50% · 4.625%
HK$19,729
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,194/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,468
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,990
−HK$530/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,602
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,416
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,051
−HK$645/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,322
−HK$618/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,202
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$829/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,593
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,202
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,985
−HK$795/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,622/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,533 · 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).