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$14,591
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$461/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,449
+HK$943/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,012/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,232
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$441/mo
Today · 4.125%
HK$17,109
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,218/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,509
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$553/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,739
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,001
−HK$530/mo
Today · 4.125%
HK$20,531
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,062/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$645/mo
Today · 4.125%
HK$21,708
baseline
▲ 0.50% · 4.625%
HK$23,029
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,416/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,725
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$618/mo
Today · 4.125%
HK$23,953
baseline
▲ 0.50% · 4.625%
HK$25,215
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,906/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$830/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,218
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,002
−HK$794/mo
Today · 4.125%
HK$30,796
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,592/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,879 · 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).