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$14,614
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$462/mo
Today · 4.125%
HK$15,530
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,060/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,258
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,694
−HK$442/mo
Today · 4.125%
HK$17,136
baseline
▲ 0.50% · 4.625%
HK$18,039
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,272/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$554/mo
Today · 4.125%
HK$18,636
baseline
▲ 0.50% · 4.625%
HK$19,770
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,272/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,509
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,032
−HK$531/mo
Today · 4.125%
HK$20,563
baseline
▲ 0.50% · 4.625%
HK$21,647
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,126/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,459
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$646/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,761
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,371
−HK$619/mo
Today · 4.125%
HK$23,990
baseline
▲ 0.50% · 4.625%
HK$25,255
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,980/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,305
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,123
−HK$831/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,655
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,264
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$796/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,882 · 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).