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$16,102
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$509/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$488/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$611/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,784
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,496
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$585/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$23,852
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,543
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$712/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,415
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,752
−HK$682/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,886
−HK$916/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,874/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$878/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$1,791/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,850 · 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).