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$14,828
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$469/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,716
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,496
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$449/mo
Today · 4.125%
HK$17,387
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,774/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,793
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,347
−HK$562/mo
Today · 4.125%
HK$18,909
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,818/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,795
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,326
−HK$538/mo
Today · 4.125%
HK$20,864
baseline
▲ 0.50% · 4.625%
HK$21,964
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,728/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$656/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$629/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,625
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,690
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,520
−HK$844/mo
Today · 4.125%
HK$28,364
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,725/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,728/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$807/mo
Today · 4.125%
HK$31,296
baseline
▲ 0.50% · 4.625%
HK$32,946
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,592/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,267 · 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).