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$15,968
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$505/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,940/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,765
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$483/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,448/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,162
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$606/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,318
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$580/mo
Today · 4.125%
HK$22,469
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,938/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,356
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,051
−HK$707/mo
Today · 4.125%
HK$23,758
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,516/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$677/mo
Today · 4.125%
HK$26,214
baseline
▲ 0.50% · 4.625%
HK$27,596
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,428/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$908/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,404
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$870/mo
Today · 4.125%
HK$33,704
baseline
▲ 0.50% · 4.625%
HK$35,480
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,408/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,087 · 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).