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$14,817
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$468/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$184,779 · 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$18,290
+HK$916/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$184,779 · 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$20,045
+HK$1,150/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$184,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$538/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$21,948
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,389
−HK$655/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$184,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,077
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$627/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,283/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$184,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,670
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$842/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$184,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$807/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$184,779 · 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).