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$14,606
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$462/mo
Today · 4.125%
HK$15,522
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,044/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$442/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,030
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,527
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$554/mo
Today · 4.125%
HK$18,626
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,252/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,022
−HK$530/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,636
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$647/mo
Today · 4.125%
HK$21,731
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,462/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,749
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$619/mo
Today · 4.125%
HK$23,978
baseline
▲ 0.50% · 4.625%
HK$25,242
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,956/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,291
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$830/mo
Today · 4.125%
HK$27,939
baseline
▲ 0.50% · 4.625%
HK$29,639
+HK$1,700/mo
Deposit HK$641K · loan HK$5.76M · min. income ≈ HK$55,878/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,248
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$795/mo
Today · 4.125%
HK$30,828
baseline
▲ 0.50% · 4.625%
HK$32,453
+HK$1,625/mo
Deposit HK$641K · loan HK$5.76M · min. income ≈ HK$61,656/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,541 · 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).