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$15,966
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$504/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$484/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$606/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,600
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$580/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,352
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$706/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$676/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$908/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,829
−HK$870/mo
Today · 4.125%
HK$33,699
baseline
▲ 0.50% · 4.625%
HK$35,475
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,398/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,056 · 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).