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$15,940
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$504/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,970
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,878/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,733
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$483/mo
Today · 4.125%
HK$18,691
baseline
▲ 0.50% · 4.625%
HK$19,676
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,382/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,128
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$604/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,564
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,279
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,850
−HK$579/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$705/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$25,158
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,492
−HK$675/mo
Today · 4.125%
HK$26,167
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,334/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,691
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$907/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$868/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,709 · 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).