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$14,818
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,279
−HK$468/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$448/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,291
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,782
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$562/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$539/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,745
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$656/mo
Today · 4.125%
HK$22,046
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,092/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,079
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$628/mo
Today · 4.125%
HK$24,326
baseline
▲ 0.50% · 4.625%
HK$25,608
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,652/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$843/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,469
−HK$807/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,839 · 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).