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$15,963
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,460
−HK$505/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,997
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$483/mo
Today · 4.125%
HK$18,719
baseline
▲ 0.50% · 4.625%
HK$19,705
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,438/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,156
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$605/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,596
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$579/mo
Today · 4.125%
HK$22,462
baseline
▲ 0.50% · 4.625%
HK$23,646
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,924/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,349
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$706/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,196
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$676/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$908/mo
Today · 4.125%
HK$30,536
baseline
▲ 0.50% · 4.625%
HK$32,394
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,072/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,824
−HK$870/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,023 · 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).