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$15,945
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$503/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,888/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,738
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$483/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,682
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$604/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,286
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$579/mo
Today · 4.125%
HK$22,436
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,872/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,322
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$705/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$25,166
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$675/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,700
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$907/mo
Today · 4.125%
HK$30,500
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,000/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$869/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,774 · 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).