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$15,950
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$504/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,981
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,744
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$482/mo
Today · 4.125%
HK$18,702
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,404/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,140
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$605/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$579/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,329
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$706/mo
Today · 4.125%
HK$23,730
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,460/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,841
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$675/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,564
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,709
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$908/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,366
+HK$1,856/mo
Deposit HK$699K · loan HK$6.30M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,939
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$869/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$1,775/mo
Deposit HK$699K · loan HK$6.30M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,840 · 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).