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$14,800
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$468/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,456/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,906
−HK$448/mo
Today · 4.125%
HK$17,354
baseline
▲ 0.50% · 4.625%
HK$18,269
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,708/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,760
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$562/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$537/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,720
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$655/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,359
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$627/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,640
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$842/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$806/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$32,884
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,050 · 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).