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$14,803
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$468/mo
Today · 4.125%
HK$15,731
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,462/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$448/mo
Today · 4.125%
HK$17,357
baseline
▲ 0.50% · 4.625%
HK$18,272
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,714/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,763
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$561/mo
Today · 4.125%
HK$18,877
baseline
▲ 0.50% · 4.625%
HK$20,026
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,754/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,761
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$538/mo
Today · 4.125%
HK$20,829
baseline
▲ 0.50% · 4.625%
HK$21,927
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,658/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,724
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,368
−HK$655/mo
Today · 4.125%
HK$22,023
baseline
▲ 0.50% · 4.625%
HK$23,363
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,046/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$627/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,581
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$842/mo
Today · 4.125%
HK$28,315
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,630/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$806/mo
Today · 4.125%
HK$31,243
baseline
▲ 0.50% · 4.625%
HK$32,890
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,486/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,163 · 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).