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$16,026
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,525
−HK$506/mo
Today · 4.125%
HK$17,031
baseline
▲ 0.50% · 4.625%
HK$18,068
+HK$1,037/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,062/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,829
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,307
−HK$485/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,783
+HK$991/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,232
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,830
−HK$608/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,395
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$582/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$709/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,961
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,630
−HK$679/mo
Today · 4.125%
HK$26,309
baseline
▲ 0.50% · 4.625%
HK$27,696
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,618/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,847
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$911/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$873/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,849 · 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).