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$15,994
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$505/mo
Today · 4.125%
HK$16,997
baseline
▲ 0.50% · 4.625%
HK$18,032
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,994/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,794
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,271
−HK$484/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,193
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$607/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,352
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$581/mo
Today · 4.125%
HK$22,506
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,186/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,012/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$707/mo
Today · 4.125%
HK$23,796
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,592/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,911
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$678/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,685
−HK$910/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,862/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,028
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,887
−HK$872/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,538
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,429 · 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).