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$14,580
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,034
−HK$461/mo
Today · 4.125%
HK$15,495
baseline
▲ 0.50% · 4.625%
HK$16,437
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,990/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,220
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,655
−HK$442/mo
Today · 4.125%
HK$17,097
baseline
▲ 0.50% · 4.625%
HK$17,998
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,194/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,496
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$552/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$1,132/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$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$529/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,412
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,047
−HK$645/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$23,012
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$617/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,197
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$829/mo
Today · 4.125%
HK$27,890
baseline
▲ 0.50% · 4.625%
HK$29,587
+HK$1,697/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,780/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,197
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$794/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,396
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,414 · 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).