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$1,000/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$504/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,990
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$483/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,745
−HK$605/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,303
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$579/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,638
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,341
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$706/mo
Today · 4.125%
HK$23,742
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,484/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,854
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$676/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,578
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,724
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$908/mo
Today · 4.125%
HK$30,525
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,050/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,955
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,812
−HK$870/mo
Today · 4.125%
HK$33,682
baseline
▲ 0.50% · 4.625%
HK$35,457
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,364/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,948 · 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).