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$15,980
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$505/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$1,034/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,964/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$483/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,773
−HK$606/mo
Today · 4.125%
HK$20,379
baseline
▲ 0.50% · 4.625%
HK$21,619
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,758/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,334
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,906
−HK$580/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,671
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$707/mo
Today · 4.125%
HK$23,775
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,550/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$677/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,765
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$909/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,428
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,000
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$870/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,244 · 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).