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$16,086
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$509/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$487/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,303
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$610/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,474
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$585/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,520
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$711/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,389
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$682/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$915/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$877/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$35,742
+HK$1,790/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,904/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,632 · 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).