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$15,977
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$504/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$1,034/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,774
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$484/mo
Today · 4.125%
HK$18,734
baseline
▲ 0.50% · 4.625%
HK$19,722
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,468/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$606/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$580/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$707/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,551
−HK$677/mo
Today · 4.125%
HK$26,228
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,456/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,652
−HK$909/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,993
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,851
−HK$870/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,499
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,195 · 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).