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$15,980
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$505/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$18,015
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,964/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,777
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$484/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,772
−HK$606/mo
Today · 4.125%
HK$20,378
baseline
▲ 0.50% · 4.625%
HK$21,618
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,756/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,333
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,905
−HK$580/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$707/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,221
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,556
−HK$677/mo
Today · 4.125%
HK$26,233
baseline
▲ 0.50% · 4.625%
HK$27,615
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,466/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,763
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$909/mo
Today · 4.125%
HK$30,567
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,134/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$871/mo
Today · 4.125%
HK$33,728
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,456/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,235 · 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).