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$14,815
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$468/mo
Today · 4.125%
HK$15,744
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,488/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,482
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$448/mo
Today · 4.125%
HK$17,372
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,744/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$562/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$20,043
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,308
−HK$538/mo
Today · 4.125%
HK$20,846
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,692/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,741
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$656/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$628/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,667
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$842/mo
Today · 4.125%
HK$28,339
baseline
▲ 0.50% · 4.625%
HK$30,064
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,678/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,667
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$807/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$32,918
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,711 · 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).