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$14,592
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,046
−HK$461/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,451
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$442/mo
Today · 4.125%
HK$17,111
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,222/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$553/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,741
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$530/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$646/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,727
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$619/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,266
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,083
−HK$830/mo
Today · 4.125%
HK$27,913
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,826/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,220
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$795/mo
Today · 4.125%
HK$30,799
baseline
▲ 0.50% · 4.625%
HK$32,422
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,598/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,929 · 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).