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$15,958
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$504/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$484/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,150
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,746
−HK$605/mo
Today · 4.125%
HK$20,351
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,702/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$580/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,639
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,910/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$707/mo
Today · 4.125%
HK$23,743
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,486/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,855
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$677/mo
Today · 4.125%
HK$26,198
baseline
▲ 0.50% · 4.625%
HK$27,578
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,396/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,725
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$908/mo
Today · 4.125%
HK$30,526
baseline
▲ 0.50% · 4.625%
HK$32,384
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,052/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,813
−HK$870/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,953 · 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).