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$16,040
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$507/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,845
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$486/mo
Today · 4.125%
HK$18,809
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,618/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,248
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$608/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,414
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,988
−HK$583/mo
Today · 4.125%
HK$22,571
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,142/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$710/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,983
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$679/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$912/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,550
+HK$1,867/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$211,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$874/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$1,785/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$211,034 · 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).