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$15,967
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,464
−HK$504/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$18,001
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,763
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,240
−HK$483/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$606/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,601
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$580/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,354
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$707/mo
Today · 4.125%
HK$23,756
baseline
▲ 0.50% · 4.625%
HK$25,201
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,512/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,868
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$677/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,741
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$908/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,974
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$870/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,069 · 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).