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$16,052
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$507/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,116/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$486/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,814
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$609/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,245/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$583/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,472
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,171
−HK$710/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,000
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,671
−HK$680/mo
Today · 4.125%
HK$26,351
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,702/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$913/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,868/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$875/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,182 · 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).