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$14,610
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$462/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,471
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,052/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,253
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,689
−HK$442/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,035
+HK$904/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,532
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$554/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,504
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,027
−HK$531/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,641
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,454
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$647/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$619/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,116
−HK$831/mo
Today · 4.125%
HK$27,947
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,894/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,256
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$796/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,462
+HK$1,625/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,714 · 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).