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$14,807
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$468/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,693
+HK$957/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$184,364 · 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$18,278
+HK$915/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$184,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$562/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,149/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$184,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$537/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,730
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,375
−HK$655/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,370
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$628/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$842/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$30,048
+HK$1,724/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,651
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,446
−HK$807/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,506/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,364 · 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).