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$14,837
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$469/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$449/mo
Today · 4.125%
HK$17,398
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,796/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,804
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$563/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$20,072
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$539/mo
Today · 4.125%
HK$20,877
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,754/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,772
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,418
−HK$656/mo
Today · 4.125%
HK$22,074
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,148/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,728
−HK$629/mo
Today · 4.125%
HK$24,357
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,714/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$844/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$30,108
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,711
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$809/mo
Today · 4.125%
HK$31,316
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,650/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,632/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,666 · 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).