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$14,603
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,057
−HK$461/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,245
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$442/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,523
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$554/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,494
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$530/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,444
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$646/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$619/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,285
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$831/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,633
+HK$1,700/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,241
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$795/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,446
+HK$1,625/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,392 · 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).