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$16,104
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$509/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$488/mo
Today · 4.125%
HK$18,884
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,768/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,325
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$611/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,499
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$585/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,194/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,546
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$713/mo
Today · 4.125%
HK$23,960
baseline
▲ 0.50% · 4.625%
HK$25,418
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,920/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$683/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$916/mo
Today · 4.125%
HK$30,806
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,874/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,612/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,249
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,114
−HK$877/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,877 · 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).