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$16,090
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$509/mo
Today · 4.125%
HK$17,099
baseline
▲ 0.50% · 4.625%
HK$18,139
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,198/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,380
−HK$487/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$19,861
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,308
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,908
−HK$610/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,479
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$585/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,525
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$712/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,395
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,731
−HK$682/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$27,805
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,961
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$915/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,650
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$877/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$35,750
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,682 · 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).