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$14,588
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$462/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,446
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,229
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$441/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$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,505
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$553/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,735
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,206/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$530/mo
Today · 4.125%
HK$20,527
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,054/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,423
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$646/mo
Today · 4.125%
HK$21,704
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,408/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$618/mo
Today · 4.125%
HK$23,948
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,896/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,075
−HK$830/mo
Today · 4.125%
HK$27,905
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,697/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,810/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,212
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$795/mo
Today · 4.125%
HK$30,790
baseline
▲ 0.50% · 4.625%
HK$32,413
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,580/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$174,741 · 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).