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$14,572
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,025
−HK$460/mo
Today · 4.125%
HK$15,485
baseline
▲ 0.50% · 4.625%
HK$16,428
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,970/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,211
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$441/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$900/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,030
−HK$552/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,453
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$529/mo
Today · 4.125%
HK$20,504
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,008/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,035
−HK$644/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,999
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,695
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,304
−HK$617/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,182
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,229
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$829/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,179
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$794/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,377
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,033 · 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).