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$14,812
−HK$929/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$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,478
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,920
−HK$448/mo
Today · 4.125%
HK$17,368
baseline
▲ 0.50% · 4.625%
HK$18,284
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,736/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,774
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$562/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,778/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,774
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$538/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,099/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,737
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$655/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,069
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,688
−HK$628/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,598
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,662
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$842/mo
Today · 4.125%
HK$28,333
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,724/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,666/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,661
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$807/mo
Today · 4.125%
HK$31,263
baseline
▲ 0.50% · 4.625%
HK$32,911
+HK$1,648/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,526/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,575 · 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).