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$16,562
−HK$508/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$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$486/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$609/mo
Today · 4.125%
HK$20,484
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,968/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$584/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$711/mo
Today · 4.125%
HK$23,898
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,796/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,017
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$681/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,759
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,913
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$914/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,595
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,165
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$875/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$1,787/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,327 · 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).