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$14,589
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$461/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,447
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,230
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$441/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,506
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,051
−HK$553/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$530/mo
Today · 4.125%
HK$20,528
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,056/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,059
−HK$646/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$618/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$830/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,604
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,213
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$795/mo
Today · 4.125%
HK$30,792
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,584/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,776 · 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).