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$14,837
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,299
−HK$469/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$449/mo
Today · 4.125%
HK$17,398
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,796/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,359
−HK$562/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$20,073
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,808
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$539/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,772
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,418
−HK$657/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,418
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,109
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,729
−HK$628/mo
Today · 4.125%
HK$24,357
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,714/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,707
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,538
−HK$844/mo
Today · 4.125%
HK$28,382
baseline
▲ 0.50% · 4.625%
HK$30,109
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,764/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,712
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$809/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$32,967
+HK$1,650/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,688 · 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).