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$15,992
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$505/mo
Today · 4.125%
HK$16,995
baseline
▲ 0.50% · 4.625%
HK$18,029
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,990/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,791
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$484/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,741
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,191
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,788
−HK$606/mo
Today · 4.125%
HK$20,394
baseline
▲ 0.50% · 4.625%
HK$21,635
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,788/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,350
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,922
−HK$581/mo
Today · 4.125%
HK$22,503
baseline
▲ 0.50% · 4.625%
HK$23,689
+HK$1,186/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,006/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,389
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,086
−HK$707/mo
Today · 4.125%
HK$23,793
baseline
▲ 0.50% · 4.625%
HK$25,241
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,586/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,908
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,576
−HK$678/mo
Today · 4.125%
HK$26,254
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,508/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,786
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,682
−HK$909/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,453
+HK$1,862/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,024
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,883
−HK$872/mo
Today · 4.125%
HK$33,755
baseline
▲ 0.50% · 4.625%
HK$35,534
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,510/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,403 · 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).