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$14,823
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,284
−HK$468/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,711
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$449/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$562/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$538/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$656/mo
Today · 4.125%
HK$22,053
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,106/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,086
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$628/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$844/mo
Today · 4.125%
HK$28,354
baseline
▲ 0.50% · 4.625%
HK$30,079
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,708/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,682
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$807/mo
Today · 4.125%
HK$31,285
baseline
▲ 0.50% · 4.625%
HK$32,935
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,570/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,039 · 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).