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$14,578
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$461/mo
Today · 4.125%
HK$15,492
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,984/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,218
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$441/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,188/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,494
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,038
−HK$553/mo
Today · 4.125%
HK$18,591
baseline
▲ 0.50% · 4.625%
HK$19,722
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,182/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,461
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$530/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$645/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$618/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,193
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$829/mo
Today · 4.125%
HK$27,886
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,697/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,772/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$794/mo
Today · 4.125%
HK$30,769
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,538/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,314 · 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).