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$14,813
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$468/mo
Today · 4.125%
HK$15,741
baseline
▲ 0.50% · 4.625%
HK$16,699
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,482/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,479
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$448/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$562/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$538/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$655/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$628/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,663
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,492
−HK$843/mo
Today · 4.125%
HK$28,335
baseline
▲ 0.50% · 4.625%
HK$30,059
+HK$1,724/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,670/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,662
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,457
−HK$807/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$32,912
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,601 · 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).