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$15,983
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$505/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$18,018
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$484/mo
Today · 4.125%
HK$18,741
baseline
▲ 0.50% · 4.625%
HK$19,729
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,482/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$606/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,622
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,337
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,909
−HK$580/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,675
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,978/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,376
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$707/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,893
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,560
−HK$678/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,769
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$909/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$871/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,275 · 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).