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$15,979
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,476
−HK$505/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$18,014
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,776
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,253
−HK$484/mo
Today · 4.125%
HK$18,737
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,474/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$606/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,332
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$580/mo
Today · 4.125%
HK$22,484
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,968/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,370
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$707/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$677/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,762
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$909/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,426
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,856
−HK$870/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,226 · 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).