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$14,821
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$468/mo
Today · 4.125%
HK$15,750
baseline
▲ 0.50% · 4.625%
HK$16,708
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,500/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,488
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,930
−HK$448/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,785
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,338
−HK$562/mo
Today · 4.125%
HK$18,900
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,800/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,785
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$538/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$656/mo
Today · 4.125%
HK$22,050
baseline
▲ 0.50% · 4.625%
HK$23,392
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,100/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,083
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,702
−HK$628/mo
Today · 4.125%
HK$24,330
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,660/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,677
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,507
−HK$843/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$30,075
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$807/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,649/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$184,951 · 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).