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$14,587
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$461/mo
Today · 4.125%
HK$15,502
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,004/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,228
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$442/mo
Today · 4.125%
HK$17,105
baseline
▲ 0.50% · 4.625%
HK$18,007
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,210/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,505
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$553/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$530/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$646/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$618/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,209
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,257
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$830/mo
Today · 4.125%
HK$27,904
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,808/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,994
−HK$795/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,723 · 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).