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$14,581
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$461/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$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,222
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$441/mo
Today · 4.125%
HK$17,098
baseline
▲ 0.50% · 4.625%
HK$17,999
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,196/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$553/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,466
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$530/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,414
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$645/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$23,014
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,710
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,319
−HK$618/mo
Today · 4.125%
HK$23,937
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,874/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,246
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$829/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,589
+HK$1,697/mo
Deposit HK$639K · loan HK$5.76M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$794/mo
Today · 4.125%
HK$30,776
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,623/mo
Deposit HK$639K · loan HK$5.76M · min. income ≈ HK$61,552/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,460 · 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).