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$14,809
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,269
−HK$468/mo
Today · 4.125%
HK$15,737
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,474/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,475
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$448/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,730/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$562/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$538/mo
Today · 4.125%
HK$20,838
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,676/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$655/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$628/mo
Today · 4.125%
HK$24,311
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,622/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$842/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$30,051
+HK$1,724/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,654
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,450
−HK$807/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$32,904
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,438 · 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).