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$15,945
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$504/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,890/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,739
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$482/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,683
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$605/mo
Today · 4.125%
HK$20,334
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,668/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$579/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$705/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$676/mo
Today · 4.125%
HK$26,176
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,352/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,701
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$907/mo
Today · 4.125%
HK$30,501
baseline
▲ 0.50% · 4.625%
HK$32,357
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,002/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,930
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$869/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,429
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,782 · 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).