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$15,943
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$504/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,736
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,212
−HK$483/mo
Today · 4.125%
HK$18,695
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,390/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$604/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$580/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,616
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,320
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$706/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,831
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$675/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,552
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,697
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$907/mo
Today · 4.125%
HK$30,497
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,994/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$868/mo
Today · 4.125%
HK$33,650
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,300/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,752 · 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).