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$15,970
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$505/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$1,033/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$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$483/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,760
−HK$605/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,605
+HK$1,240/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$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$580/mo
Today · 4.125%
HK$22,471
baseline
▲ 0.50% · 4.625%
HK$23,656
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,942/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,358
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,053
−HK$707/mo
Today · 4.125%
HK$23,760
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,520/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,540
−HK$676/mo
Today · 4.125%
HK$26,216
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,432/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,745
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$908/mo
Today · 4.125%
HK$30,548
baseline
▲ 0.50% · 4.625%
HK$32,407
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,096/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,979
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,837
−HK$870/mo
Today · 4.125%
HK$33,707
baseline
▲ 0.50% · 4.625%
HK$35,483
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,414/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,104 · 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).