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$16,095
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,596
−HK$509/mo
Today · 4.125%
HK$17,105
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,210/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,906
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,386
−HK$487/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$19,868
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$611/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,063
−HK$585/mo
Today · 4.125%
HK$22,648
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,296/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$712/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$682/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$27,816
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,972
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$916/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$877/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$35,763
+HK$1,791/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,759 · 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).