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$14,829
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$469/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,518/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,940
−HK$448/mo
Today · 4.125%
HK$17,388
baseline
▲ 0.50% · 4.625%
HK$18,305
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,776/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$563/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$539/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$656/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,096
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$629/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,627
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$844/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$808/mo
Today · 4.125%
HK$31,299
baseline
▲ 0.50% · 4.625%
HK$32,949
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,598/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,320 · 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).