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$14,598
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$462/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,240
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$442/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,518
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$553/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,749
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$530/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,073
−HK$646/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,346
−HK$619/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,228
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$831/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,624
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,233
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$795/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,204 · 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).