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$14,826
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$469/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$449/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,791
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,345
−HK$562/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,814/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,793
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,323
−HK$539/mo
Today · 4.125%
HK$20,862
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,724/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$656/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,091
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$628/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,687
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,517
−HK$843/mo
Today · 4.125%
HK$28,360
baseline
▲ 0.50% · 4.625%
HK$30,086
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,720/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,689
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,485
−HK$808/mo
Today · 4.125%
HK$31,293
baseline
▲ 0.50% · 4.625%
HK$32,942
+HK$1,649/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,586/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,193 · 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).