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$14,596
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$461/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,455
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,237
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,673
−HK$442/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,230/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,515
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$554/mo
Today · 4.125%
HK$18,613
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,226/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,485
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$531/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,434
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,069
−HK$646/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$23,037
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$619/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,272
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,089
−HK$831/mo
Today · 4.125%
HK$27,920
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,840/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,227
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$795/mo
Today · 4.125%
HK$30,806
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,612/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,085 · 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).