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$15,949
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$504/mo
Today · 4.125%
HK$16,949
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,898/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,743
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$482/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,138
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$605/mo
Today · 4.125%
HK$20,339
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,678/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,291
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,862
−HK$580/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,625
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,328
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$705/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$25,172
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$676/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,708
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$907/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,016/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$869/mo
Today · 4.125%
HK$33,663
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,326/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,829 · 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).