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$14,814
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$468/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,480
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$449/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,777
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$561/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$538/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,385
−HK$655/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$628/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,601
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,665
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$843/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,724/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,665
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$807/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,659 · 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).