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$14,808
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$468/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,694
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,472/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,473
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$448/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,279
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,322
−HK$561/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$538/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,731
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$655/mo
Today · 4.125%
HK$22,031
baseline
▲ 0.50% · 4.625%
HK$23,371
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,062/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,063
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$628/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,654
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,483
−HK$842/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$30,049
+HK$1,724/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,652
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,447
−HK$807/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$32,902
+HK$1,648/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,386 · 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).