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$14,840
−HK$931/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$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$450/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$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$563/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$20,077
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,343
−HK$539/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$656/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$629/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,713
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$845/mo
Today · 4.125%
HK$28,388
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,727/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$185,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$809/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,818 · 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).