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$14,828
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$468/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,717
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$449/mo
Today · 4.125%
HK$17,388
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,776/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,794
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$562/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$538/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$21,965
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,760
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$656/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,404
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,095
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$628/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$844/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,694
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,490
−HK$808/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,298 · 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).