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$14,842
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$469/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$450/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,321
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,810
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$563/mo
Today · 4.125%
HK$18,927
baseline
▲ 0.50% · 4.625%
HK$20,079
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,854/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$539/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,768/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,779
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,425
−HK$657/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,116
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$629/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,546
−HK$845/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,721
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$808/mo
Today · 4.125%
HK$31,326
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,652/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,652/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,887 · 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).