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$916/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$462/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,245
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$442/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$903/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$175,364 · 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$175,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$531/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,630
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,443
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$646/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$23,047
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$619/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,235
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$831/mo
Today · 4.125%
HK$27,932
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,864/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,024
−HK$796/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,364 · 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).