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$14,576
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$461/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$441/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,182/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$553/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,719
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$530/mo
Today · 4.125%
HK$20,510
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,020/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$645/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$618/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$829/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,578
+HK$1,697/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,188
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$794/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,212 · 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).