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$14,616
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,071
−HK$462/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,478
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,261
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$442/mo
Today · 4.125%
HK$17,139
baseline
▲ 0.50% · 4.625%
HK$18,042
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,278/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,540
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,085
−HK$555/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,774
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,280/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$531/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,651
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,463
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$647/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$620/mo
Today · 4.125%
HK$23,995
baseline
▲ 0.50% · 4.625%
HK$25,259
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,990/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,128
−HK$831/mo
Today · 4.125%
HK$27,959
baseline
▲ 0.50% · 4.625%
HK$29,661
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,918/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,269
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,054
−HK$796/mo
Today · 4.125%
HK$30,850
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,700/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,997 · 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).