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$15,941
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$503/mo
Today · 4.125%
HK$16,940
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,880/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$482/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,677
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$605/mo
Today · 4.125%
HK$20,329
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,236/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,658/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,281
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$579/mo
Today · 4.125%
HK$22,431
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,862/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$706/mo
Today · 4.125%
HK$23,717
baseline
▲ 0.50% · 4.625%
HK$25,160
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,434/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,828
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$676/mo
Today · 4.125%
HK$26,169
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,338/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$907/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,348
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$869/mo
Today · 4.125%
HK$33,646
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,292/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,724 · 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).