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$15,976
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$505/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$1,033/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$210,192 · 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$19,721
+HK$987/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$210,192 · 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$210,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,900
−HK$581/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,665
+HK$1,184/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$210,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$706/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$677/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,757
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,652
−HK$909/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,859/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$210,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$871/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,498
+HK$1,777/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$210,192 · 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).