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$16,065
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$508/mo
Today · 4.125%
HK$17,073
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,146/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$486/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,831
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,278
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$609/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,734
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,447
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,022
−HK$584/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$711/mo
Today · 4.125%
HK$23,902
baseline
▲ 0.50% · 4.625%
HK$25,356
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,804/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,021
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$681/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,917
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$914/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,033
−HK$875/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,361 · 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).