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$16,085
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,585
−HK$508/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$18,134
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,894
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$487/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$19,855
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$610/mo
Today · 4.125%
HK$20,512
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,024/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$584/mo
Today · 4.125%
HK$22,633
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,266/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,519
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$712/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,052
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$681/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$27,797
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$915/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$877/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,619 · 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).