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$14,579
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$461/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,436
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,219
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$441/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,494
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,039
−HK$553/mo
Today · 4.125%
HK$18,592
baseline
▲ 0.50% · 4.625%
HK$19,723
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,184/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,984
−HK$530/mo
Today · 4.125%
HK$20,514
baseline
▲ 0.50% · 4.625%
HK$21,595
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,028/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,410
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$645/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$23,010
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$618/mo
Today · 4.125%
HK$23,933
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,866/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,058
−HK$829/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,584
+HK$1,697/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,194
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$794/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,346 · 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).