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$15,946
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$504/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,977
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$482/mo
Today · 4.125%
HK$18,698
baseline
▲ 0.50% · 4.625%
HK$19,684
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,135
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$604/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,288
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,859
−HK$579/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,621
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,019
−HK$705/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,836
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$676/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,703
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$907/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,359
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$869/mo
Today · 4.125%
HK$33,657
baseline
▲ 0.50% · 4.625%
HK$35,431
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,314/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,794 · 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).