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$15,942
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,438
−HK$504/mo
Today · 4.125%
HK$16,942
baseline
▲ 0.50% · 4.625%
HK$17,973
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,884/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,736
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,211
−HK$483/mo
Today · 4.125%
HK$18,694
baseline
▲ 0.50% · 4.625%
HK$19,679
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,388/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,131
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,726
−HK$605/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,283
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$579/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,319
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$705/mo
Today · 4.125%
HK$23,719
baseline
▲ 0.50% · 4.625%
HK$25,162
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,438/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,830
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$676/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,589
−HK$907/mo
Today · 4.125%
HK$30,496
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,992/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,781
−HK$868/mo
Today · 4.125%
HK$33,649
baseline
▲ 0.50% · 4.625%
HK$35,423
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,298/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,746 · 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).