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$14,605
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,059
−HK$462/mo
Today · 4.125%
HK$15,521
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,042/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,248
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$442/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,071
−HK$554/mo
Today · 4.125%
HK$18,625
baseline
▲ 0.50% · 4.625%
HK$19,758
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,250/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,497
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$531/mo
Today · 4.125%
HK$20,551
baseline
▲ 0.50% · 4.625%
HK$21,634
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,102/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,447
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$646/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,747
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$619/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,240
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$830/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,700/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,246
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$795/mo
Today · 4.125%
HK$30,826
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,625/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,652/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,496 · 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).