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$14,825
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,286
−HK$469/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$959/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$449/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,344
−HK$562/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,150/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,812/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,792
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$539/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,401
−HK$656/mo
Today · 4.125%
HK$22,057
baseline
▲ 0.50% · 4.625%
HK$23,399
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,114/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$629/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,621
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,686
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$843/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$807/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,159 · 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).