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$185,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$449/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,452 · 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$185,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$538/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$185,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,765
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$656/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$629/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,698
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$844/mo
Today · 4.125%
HK$28,372
baseline
▲ 0.50% · 4.625%
HK$30,098
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,744/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$808/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$32,956
+HK$1,651/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$185,452 · 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).