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$15,065
−HK$461/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$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$442/mo
Today · 4.125%
HK$17,132
baseline
▲ 0.50% · 4.625%
HK$18,035
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,264/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,532
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$554/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,264/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$530/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,084/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$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,454
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$646/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$619/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$831/mo
Today · 4.125%
HK$27,948
baseline
▲ 0.50% · 4.625%
HK$29,648
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,896/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$796/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,463
+HK$1,626/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$175,730 · 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).