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$15,975
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,472
−HK$505/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$18,010
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,954/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$483/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,766
−HK$606/mo
Today · 4.125%
HK$20,372
baseline
▲ 0.50% · 4.625%
HK$21,612
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,744/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$580/mo
Today · 4.125%
HK$22,479
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,958/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,061
−HK$707/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,214
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$677/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,650
−HK$908/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,418
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,990
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,848
−HK$870/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$1,777/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,176 · 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).