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$14,598
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$461/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,457
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,026/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,240
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$442/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,019
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,234/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,517
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$554/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,748
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,010
−HK$530/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,623
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,437
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,072
−HK$646/mo
Today · 4.125%
HK$21,718
baseline
▲ 0.50% · 4.625%
HK$23,040
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,436/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,736
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$619/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,227
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$830/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,700/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$796/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,175 · 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).