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$930/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$469/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$449/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,804/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,836 · 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$20,077
+HK$1,151/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$185,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$539/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,100/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$185,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$657/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$629/mo
Today · 4.125%
HK$24,363
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,726/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,713
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,544
−HK$844/mo
Today · 4.125%
HK$28,388
baseline
▲ 0.50% · 4.625%
HK$30,116
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,776/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,718
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$809/mo
Today · 4.125%
HK$31,324
baseline
▲ 0.50% · 4.625%
HK$32,975
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,648/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,836 · 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).