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$14,818
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$469/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$448/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,291
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,334
−HK$562/mo
Today · 4.125%
HK$18,896
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,792/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$538/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,745
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$655/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$628/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$843/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,672
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$807/mo
Today · 4.125%
HK$31,275
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,649/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,550/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,821 · 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).