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$15,951
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$504/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$483/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,408/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$604/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,579
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$580/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$706/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,843
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$676/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,712
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$907/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$869/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,442
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,858 · 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).