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$14,602
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$461/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$442/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,244/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,522
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$554/mo
Today · 4.125%
HK$18,621
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,242/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$530/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,442
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$646/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$23,046
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$618/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,234
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$831/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$796/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,346 · 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).