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$16,075
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,575
−HK$508/mo
Today · 4.125%
HK$17,083
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,166/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,883
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$486/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$994/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,290
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,890
−HK$610/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,747
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$584/mo
Today · 4.125%
HK$22,619
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,238/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,505
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$711/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$681/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,391/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,935
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$914/mo
Today · 4.125%
HK$30,749
baseline
▲ 0.50% · 4.625%
HK$32,620
+HK$1,871/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,498/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,053
−HK$876/mo
Today · 4.125%
HK$33,929
baseline
▲ 0.50% · 4.625%
HK$35,717
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,858/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,489 · 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).