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$14,810
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$468/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,476
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$448/mo
Today · 4.125%
HK$17,366
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,732/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$561/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$538/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,379
−HK$655/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,066
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,685
−HK$628/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,658
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$843/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,723/mo
Deposit HK$649K · loan HK$5.85M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,657
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,452
−HK$807/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,648/mo
Deposit HK$649K · loan HK$5.85M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,487 · 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).