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$15,981
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$505/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$484/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,728
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$606/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$581/mo
Today · 4.125%
HK$22,488
baseline
▲ 0.50% · 4.625%
HK$23,673
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,976/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,374
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$707/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,558
−HK$678/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$910/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,431
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,861
−HK$871/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,259 · 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).