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$14,830
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$469/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,520/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,498
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,940
−HK$449/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,306
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,778/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,796
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$563/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$539/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$21,967
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,762
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$656/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$629/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$843/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$30,093
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,696
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$808/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$32,950
+HK$1,649/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,352 · 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).