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$15,956
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,453
−HK$504/mo
Today · 4.125%
HK$16,957
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,914/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,751
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$483/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$605/mo
Today · 4.125%
HK$20,348
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,696/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,302
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$579/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,034
−HK$706/mo
Today · 4.125%
HK$23,740
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,480/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$676/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$907/mo
Today · 4.125%
HK$30,522
baseline
▲ 0.50% · 4.625%
HK$32,380
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,044/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,952
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,809
−HK$870/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,929 · 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).