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$14,819
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,280
−HK$469/mo
Today · 4.125%
HK$15,749
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,498/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,486
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,928
−HK$449/mo
Today · 4.125%
HK$17,377
baseline
▲ 0.50% · 4.625%
HK$18,293
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,754/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,783
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$562/mo
Today · 4.125%
HK$18,898
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,796/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$538/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,704/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$656/mo
Today · 4.125%
HK$22,048
baseline
▲ 0.50% · 4.625%
HK$23,390
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,096/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$628/mo
Today · 4.125%
HK$24,328
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,656/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$843/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$808/mo
Today · 4.125%
HK$31,279
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,558/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,896 · 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).