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$16,035
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$506/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,080/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,839
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$485/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,604/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$608/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,980
−HK$583/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,449
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$710/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$679/mo
Today · 4.125%
HK$26,323
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,646/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$912/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,539
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$873/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,962 · 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).