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$15,978
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$505/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$18,013
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,252
−HK$484/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,723
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$606/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,616
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,331
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$580/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$707/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$677/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,613
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$909/mo
Today · 4.125%
HK$30,564
baseline
▲ 0.50% · 4.625%
HK$32,424
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,128/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,996
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,854
−HK$870/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,502
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,215 · 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).