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$14,824
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$469/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,934
−HK$448/mo
Today · 4.125%
HK$17,382
baseline
▲ 0.50% · 4.625%
HK$18,299
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,764/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$562/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$538/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,399
−HK$656/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,088
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,707
−HK$628/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,618
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$843/mo
Today · 4.125%
HK$28,356
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,712/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,685
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$807/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$32,938
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,100 · 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).