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$14,834
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$469/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$449/mo
Today · 4.125%
HK$17,394
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,788/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$563/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$20,068
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,803
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$539/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$21,973
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,767
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$656/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$628/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,727/mo
Deposit HK$651K · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$808/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,650/mo
Deposit HK$651K · loan HK$5.85M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,526 · 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).