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$15,974
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$505/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$483/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,719
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,169
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,765
−HK$606/mo
Today · 4.125%
HK$20,371
baseline
▲ 0.50% · 4.625%
HK$21,611
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,742/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,325
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,897
−HK$581/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,364
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$706/mo
Today · 4.125%
HK$23,766
baseline
▲ 0.50% · 4.625%
HK$25,212
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,532/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,547
−HK$677/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,606
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,754
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,648
−HK$909/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,416
+HK$1,859/mo
Deposit HK$701K · loan HK$6.30M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,846
−HK$870/mo
Today · 4.125%
HK$33,716
baseline
▲ 0.50% · 4.625%
HK$35,494
+HK$1,778/mo
Deposit HK$701K · loan HK$6.30M · min. income ≈ HK$67,432/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,164 · 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).