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$14,587
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$461/mo
Today · 4.125%
HK$15,502
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,004/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,228
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$441/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,006
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,504
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$553/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$530/mo
Today · 4.125%
HK$20,525
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,050/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$645/mo
Today · 4.125%
HK$21,702
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,404/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,328
−HK$618/mo
Today · 4.125%
HK$23,946
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,892/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,256
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,073
−HK$830/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,210
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$795/mo
Today · 4.125%
HK$30,788
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,576/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,700 · 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).