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$14,601
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,055
−HK$462/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,243
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,679
−HK$442/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,242/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,521
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$554/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,753
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,015
−HK$530/mo
Today · 4.125%
HK$20,545
baseline
▲ 0.50% · 4.625%
HK$21,628
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,090/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,441
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$646/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$618/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,282
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,099
−HK$831/mo
Today · 4.125%
HK$27,930
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,860/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$796/mo
Today · 4.125%
HK$30,818
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,636/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,319 · 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).