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$15,982
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$505/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,780
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$484/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,728
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,775
−HK$606/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,621
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$580/mo
Today · 4.125%
HK$22,488
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,976/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$708/mo
Today · 4.125%
HK$23,778
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,556/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,559
−HK$677/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,662
−HK$909/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,431
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$870/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,264 · 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).