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$14,836
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$469/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,505
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$449/mo
Today · 4.125%
HK$17,397
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,794/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,804
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,357
−HK$563/mo
Today · 4.125%
HK$18,920
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,840/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,806
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$538/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,771
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,417
−HK$656/mo
Today · 4.125%
HK$22,073
baseline
▲ 0.50% · 4.625%
HK$23,416
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,146/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,727
−HK$629/mo
Today · 4.125%
HK$24,356
baseline
▲ 0.50% · 4.625%
HK$25,640
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,712/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,536
−HK$844/mo
Today · 4.125%
HK$28,380
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,760/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,709
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,506
−HK$809/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$32,965
+HK$1,650/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,643 · 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).