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$14,841
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$469/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,544/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$450/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$563/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$539/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,778
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,424
−HK$657/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$629/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,648
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,714
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,545
−HK$844/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$30,117
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,719
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,516
−HK$809/mo
Today · 4.125%
HK$31,325
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,650/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,857 · 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).