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$14,612
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$462/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,256
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$442/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,268/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,535
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$554/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$531/mo
Today · 4.125%
HK$20,561
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,122/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$646/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,758
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$619/mo
Today · 4.125%
HK$23,988
baseline
▲ 0.50% · 4.625%
HK$25,252
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,976/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$832/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,652
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,261
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$796/mo
Today · 4.125%
HK$30,842
baseline
▲ 0.50% · 4.625%
HK$32,467
+HK$1,625/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,684/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,820 · 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).