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$14,816
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$469/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$449/mo
Today · 4.125%
HK$17,374
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,748/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,780
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$562/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$538/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$656/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$628/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,670
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$843/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$808/mo
Today · 4.125%
HK$31,273
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,546/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,771 · 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).