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$16,062
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,561
−HK$508/mo
Today · 4.125%
HK$17,069
baseline
▲ 0.50% · 4.625%
HK$18,108
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,138/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$486/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$609/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,729
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,442
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$584/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,186
−HK$711/mo
Today · 4.125%
HK$23,897
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,794/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,016
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,687
−HK$681/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,757
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$913/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,870/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$875/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$1,787/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,317 · 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).