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$14,800
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$467/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,686
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,456/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$448/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,710/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,760
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,313
−HK$561/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$20,023
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$538/mo
Today · 4.125%
HK$20,826
baseline
▲ 0.50% · 4.625%
HK$21,924
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,652/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,720
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$655/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$627/mo
Today · 4.125%
HK$24,297
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,594/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,641
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$842/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$30,034
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$807/mo
Today · 4.125%
HK$31,239
baseline
▲ 0.50% · 4.625%
HK$32,885
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,478/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,066 · 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).