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$14,827
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$469/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,716
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,514/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,495
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$449/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$562/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$20,059
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$538/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,758
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$656/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$629/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,689
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$843/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$808/mo
Today · 4.125%
HK$31,295
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,590/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,237 · 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).