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$14,572
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$460/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,428
+HK$942/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,211
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$441/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$17,988
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$552/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,714
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,454
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$529/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,401
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$644/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,320/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,696
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$617/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,230
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,046
−HK$829/mo
Today · 4.125%
HK$27,875
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,750/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,181
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$794/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$174,062 · 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).