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$15,952
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$504/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,984
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,747
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$482/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$605/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,296
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$579/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$705/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$676/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,714
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,607
−HK$907/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,371
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,944
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,801
−HK$869/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$1,774/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,873 · 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).