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$15,959
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$505/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$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$483/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,746
−HK$606/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,876
−HK$580/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,037
−HK$707/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$25,188
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,522
−HK$677/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,726
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$907/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$869/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,963 · 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).