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$14,843
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$469/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,548/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,513
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$449/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$918/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,810/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$563/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$539/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,427
−HK$657/mo
Today · 4.125%
HK$22,084
baseline
▲ 0.50% · 4.625%
HK$23,428
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,168/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$629/mo
Today · 4.125%
HK$24,367
baseline
▲ 0.50% · 4.625%
HK$25,652
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,734/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$844/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,723
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$808/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,950 · 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).