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$14,822
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$469/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$958/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$185,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$448/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,024 · 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$20,052
+HK$1,150/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$185,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,787
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$539/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$185,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,751
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$655/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,394
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,085
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$628/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,282/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$185,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$843/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,681
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,477
−HK$808/mo
Today · 4.125%
HK$31,285
baseline
▲ 0.50% · 4.625%
HK$32,934
+HK$1,649/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$185,024 · 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).