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$16,008
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$506/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$485/mo
Today · 4.125%
HK$18,771
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,542/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$607/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,371
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$581/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$709/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,932
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$678/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$910/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$872/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,610 · 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).