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$14,840
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$469/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,730
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,540/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,509
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$449/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,802/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$563/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$20,076
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,811
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,342
−HK$539/mo
Today · 4.125%
HK$20,881
baseline
▲ 0.50% · 4.625%
HK$21,982
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,762/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$657/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,113
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$629/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,712
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$844/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$30,114
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,513
−HK$809/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,797 · 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).