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$14,801
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$468/mo
Today · 4.125%
HK$15,729
baseline
▲ 0.50% · 4.625%
HK$16,686
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,458/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,466
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$448/mo
Today · 4.125%
HK$17,356
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$914/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,712/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,761
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$561/mo
Today · 4.125%
HK$18,875
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,750/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$538/mo
Today · 4.125%
HK$20,827
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,654/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$655/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,361
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$627/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,579
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,642
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,471
−HK$842/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,639
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$806/mo
Today · 4.125%
HK$31,240
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,480/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,096 · 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).