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$14,831
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$468/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,522/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$449/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,308
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,797
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$562/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$539/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,764
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$656/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,099
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,719
−HK$628/mo
Today · 4.125%
HK$24,347
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,694/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,696
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$843/mo
Today · 4.125%
HK$28,370
baseline
▲ 0.50% · 4.625%
HK$30,096
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,740/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,699
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$808/mo
Today · 4.125%
HK$31,304
baseline
▲ 0.50% · 4.625%
HK$32,954
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,608/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,418 · 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).