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$15,972
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$505/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$18,006
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$483/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$606/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$580/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,056
−HK$706/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$676/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,602
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$909/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,983
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$870/mo
Today · 4.125%
HK$33,711
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,422/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,129 · 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).