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$14,609
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$462/mo
Today · 4.125%
HK$15,525
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,050/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,252
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$442/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$554/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$530/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$646/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,363
−HK$619/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,296
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,114
−HK$831/mo
Today · 4.125%
HK$27,945
baseline
▲ 0.50% · 4.625%
HK$29,645
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,890/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,254
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$796/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,625/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,671 · 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).