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$16,063
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$507/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$18,109
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,870
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$487/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$610/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,731
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,444
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$584/mo
Today · 4.125%
HK$22,603
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,206/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,188
−HK$711/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,018
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$681/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,813
−HK$914/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,597
+HK$1,870/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,166
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,029
−HK$875/mo
Today · 4.125%
HK$33,904
baseline
▲ 0.50% · 4.625%
HK$35,691
+HK$1,787/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,808/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,334 · 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).