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$929/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$468/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,463 · 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$18,281
+HK$916/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$184,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$562/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$538/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$21,937
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,733
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$655/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$628/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,593
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$843/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,723/mo
Deposit HK$649K · loan HK$5.85M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,451
−HK$807/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,647/mo
Deposit HK$649K · loan HK$5.85M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,463 · 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).