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$14,586
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,040
−HK$460/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,444
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,000/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,227
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,662
−HK$441/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$554/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$530/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,420
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,055
−HK$646/mo
Today · 4.125%
HK$21,701
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,402/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,717
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$619/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,207
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$830/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$795/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,409
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,658 · 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).