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$14,833
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$469/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,722
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,526/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$449/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,786/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$563/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,832/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,333
−HK$539/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$21,972
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,766
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$656/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,411
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,722
−HK$628/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$844/mo
Today · 4.125%
HK$28,374
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,748/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,703
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,499
−HK$809/mo
Today · 4.125%
HK$31,308
baseline
▲ 0.50% · 4.625%
HK$32,958
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,616/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,499 · 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).