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$14,805
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$468/mo
Today · 4.125%
HK$15,733
baseline
▲ 0.50% · 4.625%
HK$16,690
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,466/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,470
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$448/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$562/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$20,029
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,764
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$538/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,727
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$655/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,367
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,058
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$627/mo
Today · 4.125%
HK$24,304
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,608/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$842/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$807/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,260 · 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).