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$15,947
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$504/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,978
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$482/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,136
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$604/mo
Today · 4.125%
HK$20,336
baseline
▲ 0.50% · 4.625%
HK$21,574
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,672/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$579/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,326
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,020
−HK$706/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$25,169
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,837
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$676/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,705
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$908/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$869/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,805 · 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).