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$16,004
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,501
−HK$506/mo
Today · 4.125%
HK$17,007
baseline
▲ 0.50% · 4.625%
HK$18,042
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,014/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,804
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$485/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$607/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$581/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,405
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,102
−HK$708/mo
Today · 4.125%
HK$23,810
baseline
▲ 0.50% · 4.625%
HK$25,259
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,620/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,925
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,594
−HK$678/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,657
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$910/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,047
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$872/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,551 · 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).