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$15,967
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$505/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,763
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$483/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$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$605/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$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,315
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$580/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$706/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,868
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$676/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,593
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,740
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$908/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$870/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,064 · 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).