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$14,806
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$468/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,691
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$448/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,767
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$562/mo
Today · 4.125%
HK$18,881
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,762/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$538/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,728
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$655/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,059
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,678
−HK$627/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,479
−HK$842/mo
Today · 4.125%
HK$28,321
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,642/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,648
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,443
−HK$807/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$32,897
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,500/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,295 · 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).