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$14,615
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$462/mo
Today · 4.125%
HK$15,532
baseline
▲ 0.50% · 4.625%
HK$16,477
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,064/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,259
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$443/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,276/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,538
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$554/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,772
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,276/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,511
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$531/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,649
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$646/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$619/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$831/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$796/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,947 · 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).