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$14,613
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$461/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,257
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,693
−HK$442/mo
Today · 4.125%
HK$17,135
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,270/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$554/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,508
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,032
−HK$530/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$646/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,760
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$619/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,254
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,304
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$831/mo
Today · 4.125%
HK$27,953
baseline
▲ 0.50% · 4.625%
HK$29,654
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,906/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$796/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,469
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,853 · 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).