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$16,029
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,528
−HK$507/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$485/mo
Today · 4.125%
HK$18,796
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$991/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,592/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,834
−HK$608/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,973
−HK$582/mo
Today · 4.125%
HK$22,555
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,110/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$709/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,635
−HK$679/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,750
−HK$912/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,959
−HK$874/mo
Today · 4.125%
HK$33,833
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,666/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,890 · 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).