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$14,822
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$468/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,502/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,489
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$449/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,786
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,339
−HK$562/mo
Today · 4.125%
HK$18,901
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,802/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,787
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,317
−HK$539/mo
Today · 4.125%
HK$20,856
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,712/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$656/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,085
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$628/mo
Today · 4.125%
HK$24,332
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,664/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$843/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$808/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$32,933
+HK$1,649/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,000 · 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).