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$14,577
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$461/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,216
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$441/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,492
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$553/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,178/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,460
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$529/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,407
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$645/mo
Today · 4.125%
HK$21,687
baseline
▲ 0.50% · 4.625%
HK$23,007
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,374/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,703
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$617/mo
Today · 4.125%
HK$23,929
baseline
▲ 0.50% · 4.625%
HK$25,191
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,858/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,238
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$829/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,697/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,189
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$794/mo
Today · 4.125%
HK$30,766
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,532/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,254 · 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).