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$14,574
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,028
−HK$460/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,214
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$441/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,489
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,033
−HK$553/mo
Today · 4.125%
HK$18,586
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,172/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,457
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$529/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,404
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$645/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$618/mo
Today · 4.125%
HK$23,926
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,852/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,234
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$829/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,575
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,758/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,185
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,968
−HK$794/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,158 · 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).