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$14,804
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,264
−HK$468/mo
Today · 4.125%
HK$15,732
baseline
▲ 0.50% · 4.625%
HK$16,690
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,464/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,469
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,911
−HK$448/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,274
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,718/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,765
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$562/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,758/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$538/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$655/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,675
−HK$628/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$842/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,645
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$806/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,223 · 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).