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$16,033
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$507/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,836
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$486/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$608/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$583/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$709/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,304
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,970
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$680/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,756
−HK$912/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,105
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$873/mo
Today · 4.125%
HK$33,839
baseline
▲ 0.50% · 4.625%
HK$35,623
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,678/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,931 · 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).