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$14,574
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,027
−HK$461/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,430
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,213
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,648
−HK$441/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$17,990
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,489
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$553/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$529/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,403
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,038
−HK$645/mo
Today · 4.125%
HK$21,683
baseline
▲ 0.50% · 4.625%
HK$23,002
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,366/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$618/mo
Today · 4.125%
HK$23,925
baseline
▲ 0.50% · 4.625%
HK$25,186
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,850/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$829/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,574
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,184
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$794/mo
Today · 4.125%
HK$30,760
baseline
▲ 0.50% · 4.625%
HK$32,382
+HK$1,622/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,520/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,128 · 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).