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$14,585
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$461/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,000/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,226
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$442/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$553/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,471
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$529/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,605
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,420
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,055
−HK$645/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,717
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$618/mo
Today · 4.125%
HK$23,944
baseline
▲ 0.50% · 4.625%
HK$25,206
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,888/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,070
−HK$830/mo
Today · 4.125%
HK$27,900
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,800/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,207
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,990
−HK$795/mo
Today · 4.125%
HK$30,785
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,570/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,641 · 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).