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$15,971
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$505/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,944/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,767
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$483/mo
Today · 4.125%
HK$18,727
baseline
▲ 0.50% · 4.625%
HK$19,714
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,454/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$605/mo
Today · 4.125%
HK$20,366
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,732/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$580/mo
Today · 4.125%
HK$22,472
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,944/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,359
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,054
−HK$707/mo
Today · 4.125%
HK$23,761
baseline
▲ 0.50% · 4.625%
HK$25,207
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,522/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$677/mo
Today · 4.125%
HK$26,218
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,436/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$909/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$870/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,115 · 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).