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$15,960
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,456
−HK$504/mo
Today · 4.125%
HK$16,960
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,920/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,755
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,231
−HK$483/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,152
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$606/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$580/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$706/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,524
−HK$676/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,727
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$908/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$870/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,461
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,972 · 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).