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$15,978
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$505/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$18,013
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,252
−HK$483/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,723
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$606/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,902
−HK$580/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$707/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,218
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$678/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,612
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,760
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$909/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,423
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$871/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,501
+HK$1,777/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,210 · 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).