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$15,954
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$504/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,986
+HK$1,032/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$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,749
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,225
−HK$483/mo
Today · 4.125%
HK$18,708
baseline
▲ 0.50% · 4.625%
HK$19,694
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,416/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,740
−HK$605/mo
Today · 4.125%
HK$20,345
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,690/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,298
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$579/mo
Today · 4.125%
HK$22,449
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,898/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$706/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,515
−HK$676/mo
Today · 4.125%
HK$26,191
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,382/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,717
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$908/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,375
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,948
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$870/mo
Today · 4.125%
HK$33,674
baseline
▲ 0.50% · 4.625%
HK$35,449
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,348/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,898 · 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).