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$15,955
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,452
−HK$504/mo
Today · 4.125%
HK$16,956
baseline
▲ 0.50% · 4.625%
HK$17,988
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,912/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$483/mo
Today · 4.125%
HK$18,709
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,418/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,146
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$605/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$580/mo
Today · 4.125%
HK$22,451
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,902/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,032
−HK$706/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$676/mo
Today · 4.125%
HK$26,193
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,386/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,719
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$907/mo
Today · 4.125%
HK$30,520
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,040/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,950
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,807
−HK$869/mo
Today · 4.125%
HK$33,676
baseline
▲ 0.50% · 4.625%
HK$35,451
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,352/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,914 · 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).