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$15,948
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$504/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$483/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,138
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$605/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$580/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,022
−HK$705/mo
Today · 4.125%
HK$23,727
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,454/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,839
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,505
−HK$676/mo
Today · 4.125%
HK$26,181
baseline
▲ 0.50% · 4.625%
HK$27,561
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,362/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,706
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,599
−HK$908/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,363
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,792
−HK$869/mo
Today · 4.125%
HK$33,661
baseline
▲ 0.50% · 4.625%
HK$35,435
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,322/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,819 · 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).