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$16,088
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$508/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$18,137
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,192/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$487/mo
Today · 4.125%
HK$18,864
baseline
▲ 0.50% · 4.625%
HK$19,859
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,728/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$610/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,477
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$584/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,523
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$712/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,056
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$682/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$916/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,646
+HK$1,872/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$877/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$35,745
+HK$1,789/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,656 · 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).