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$15,969
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$505/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$18,003
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,242
−HK$483/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$606/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,890
−HK$580/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$707/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,539
−HK$676/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,744
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$908/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,978
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$870/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,482
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,097 · 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).