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$15,960
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$504/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,922/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,756
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,232
−HK$483/mo
Today · 4.125%
HK$18,715
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,430/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,152
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,748
−HK$605/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$580/mo
Today · 4.125%
HK$22,458
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,916/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$707/mo
Today · 4.125%
HK$23,746
baseline
▲ 0.50% · 4.625%
HK$25,190
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,492/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$676/mo
Today · 4.125%
HK$26,201
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,402/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,728
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$908/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,817
−HK$870/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,462
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,980 · 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).