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$15,957
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$504/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,990
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,752
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,228
−HK$483/mo
Today · 4.125%
HK$18,711
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,422/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$605/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,303
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$580/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,340
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$706/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$25,186
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$676/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,616
−HK$908/mo
Today · 4.125%
HK$30,524
baseline
▲ 0.50% · 4.625%
HK$32,381
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,048/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,811
−HK$869/mo
Today · 4.125%
HK$33,680
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,360/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,940 · 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).