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$16,021
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,519
−HK$506/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,050/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,823
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,301
−HK$485/mo
Today · 4.125%
HK$18,786
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,572/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,225
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$607/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,673
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$582/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,731
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,429
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$709/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$679/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,686
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,837
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,734
−HK$911/mo
Today · 4.125%
HK$30,645
baseline
▲ 0.50% · 4.625%
HK$32,510
+HK$1,865/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$61,290/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,081
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,941
−HK$873/mo
Today · 4.125%
HK$33,814
baseline
▲ 0.50% · 4.625%
HK$35,597
+HK$1,783/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$67,628/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,774 · 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).