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$14,832
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$469/mo
Today · 4.125%
HK$15,762
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,524/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$448/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,308
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,798
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$562/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,331
−HK$539/mo
Today · 4.125%
HK$20,870
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,740/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,764
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$656/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$628/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$844/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$808/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,610/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,436 · 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).