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$15,962
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$505/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,926/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$483/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,154
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$605/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,309
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$580/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,346
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$706/mo
Today · 4.125%
HK$23,748
baseline
▲ 0.50% · 4.625%
HK$25,193
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,496/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,860
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,527
−HK$676/mo
Today · 4.125%
HK$26,203
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,406/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,731
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$908/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,963
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$870/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,000 · 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).