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$14,843
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$469/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,733
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,548/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,513
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$450/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,810/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,365
−HK$563/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$20,080
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,815
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$539/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$657/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$629/mo
Today · 4.125%
HK$24,367
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,734/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,717
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,548
−HK$845/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$30,120
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,723
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,520
−HK$808/mo
Today · 4.125%
HK$31,328
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,656/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,931 · 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).