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$14,830
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$469/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,520/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,498
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$449/mo
Today · 4.125%
HK$17,390
baseline
▲ 0.50% · 4.625%
HK$18,306
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,780/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,796
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$562/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,798
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$539/mo
Today · 4.125%
HK$20,868
baseline
▲ 0.50% · 4.625%
HK$21,968
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,736/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,762
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$656/mo
Today · 4.125%
HK$22,064
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,128/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,098
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$628/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,629
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$844/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,697
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$808/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,368 · 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).