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$14,811
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$468/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,477
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$448/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,773
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,326
−HK$561/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$20,037
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,772
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$538/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,735
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$655/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,686
−HK$628/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,595
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$842/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,724/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,658
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$807/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$32,908
+HK$1,647/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,521 · 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).