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$14,616
−HK$916/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$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,260
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,696
−HK$442/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,042
+HK$904/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$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$555/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,512
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$531/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,462
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$647/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,764
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$620/mo
Today · 4.125%
HK$23,994
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,988/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,127
−HK$831/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,659
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,268
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$796/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,967 · 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).