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$14,579
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,033
−HK$461/mo
Today · 4.125%
HK$15,494
baseline
▲ 0.50% · 4.625%
HK$16,437
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,988/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,220
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,655
−HK$441/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$17,997
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,192/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,495
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,040
−HK$553/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,463
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$530/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,596
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$645/mo
Today · 4.125%
HK$21,691
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,382/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,707
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,316
−HK$618/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,196
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$830/mo
Today · 4.125%
HK$27,889
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,697/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,778/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,195
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,978
−HK$794/mo
Today · 4.125%
HK$30,772
baseline
▲ 0.50% · 4.625%
HK$32,395
+HK$1,623/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,544/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,380 · 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).