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$15,961
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$504/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$483/mo
Today · 4.125%
HK$18,716
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,432/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,154
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$605/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,593
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,308
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$580/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,346
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,041
−HK$706/mo
Today · 4.125%
HK$23,747
baseline
▲ 0.50% · 4.625%
HK$25,192
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,494/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,860
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,526
−HK$677/mo
Today · 4.125%
HK$26,203
baseline
▲ 0.50% · 4.625%
HK$27,584
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,406/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,731
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$908/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,962
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$869/mo
Today · 4.125%
HK$33,689
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,378/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,996 · 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).