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$15,973
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$505/mo
Today · 4.125%
HK$16,975
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,950/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$484/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$606/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,324
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$580/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,661
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,058
−HK$707/mo
Today · 4.125%
HK$23,765
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,530/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,545
−HK$677/mo
Today · 4.125%
HK$26,222
baseline
▲ 0.50% · 4.625%
HK$27,604
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,444/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$908/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,414
+HK$1,860/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,843
−HK$871/mo
Today · 4.125%
HK$33,714
baseline
▲ 0.50% · 4.625%
HK$35,491
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,428/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,148 · 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).