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$14,573
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$460/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,212
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$441/mo
Today · 4.125%
HK$17,088
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,176/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$553/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,454
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$529/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$645/mo
Today · 4.125%
HK$21,681
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,362/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$618/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,231
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,047
−HK$829/mo
Today · 4.125%
HK$27,876
baseline
▲ 0.50% · 4.625%
HK$29,572
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,752/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,181
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$794/mo
Today · 4.125%
HK$30,758
baseline
▲ 0.50% · 4.625%
HK$32,379
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,516/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,080 · 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).