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$15,976
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$505/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,773
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$483/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,721
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$605/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,900
−HK$580/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,665
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,366
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,062
−HK$707/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,215
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,882
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$677/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,757
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$909/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$870/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$1,777/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,187 · 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).