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$14,839
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$468/mo
Today · 4.125%
HK$15,769
baseline
▲ 0.50% · 4.625%
HK$16,729
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,538/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,508
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,951
−HK$449/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,317
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,800/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,807
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,361
−HK$562/mo
Today · 4.125%
HK$18,923
baseline
▲ 0.50% · 4.625%
HK$20,075
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,846/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$539/mo
Today · 4.125%
HK$20,880
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,101/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,760/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$656/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,111
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$629/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$844/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$808/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$185,757 · 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).