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$14,820
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,281
−HK$468/mo
Today · 4.125%
HK$15,749
baseline
▲ 0.50% · 4.625%
HK$16,708
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,498/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,487
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,929
−HK$449/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,294
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,784
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,337
−HK$562/mo
Today · 4.125%
HK$18,899
baseline
▲ 0.50% · 4.625%
HK$20,049
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,798/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,315
−HK$538/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,748
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,393
−HK$656/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,082
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$628/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,676
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$843/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,677
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,473
−HK$807/mo
Today · 4.125%
HK$31,280
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,649/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,560/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,924 · 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).