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$15,984
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$505/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$1,034/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,972/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,782
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$484/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,486/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$606/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,339
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$580/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$707/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,228
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$677/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$910/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$871/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,293 · 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).