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$15,953
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,449
−HK$505/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,985
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,908/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,748
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,224
−HK$483/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,144
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$605/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$580/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,334
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$706/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$25,179
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$676/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,609
−HK$907/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,373
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,946
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$869/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,886 · 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).