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$14,814
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,274
−HK$469/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,700
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,480
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$448/mo
Today · 4.125%
HK$17,370
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,740/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,776
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$562/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$538/mo
Today · 4.125%
HK$20,844
baseline
▲ 0.50% · 4.625%
HK$21,943
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,688/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$656/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$627/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,600
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$843/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,724/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$807/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,647 · 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).