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$14,835
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,296
−HK$469/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,503
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,946
−HK$449/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,312
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,802
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$563/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,804
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$539/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$656/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,414
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,105
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,724
−HK$629/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,637
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,533
−HK$844/mo
Today · 4.125%
HK$28,377
baseline
▲ 0.50% · 4.625%
HK$30,103
+HK$1,726/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,754/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,706
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,503
−HK$808/mo
Today · 4.125%
HK$31,311
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,650/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,622/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,569 · 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).