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$15,988
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$505/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,786
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$484/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,735
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,185
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,782
−HK$606/mo
Today · 4.125%
HK$20,388
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,241/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,776/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$580/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,079
−HK$707/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,572/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,568
−HK$678/mo
Today · 4.125%
HK$26,246
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,492/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,778
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,673
−HK$909/mo
Today · 4.125%
HK$30,582
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,861/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,164/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,015
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,873
−HK$871/mo
Today · 4.125%
HK$33,744
baseline
▲ 0.50% · 4.625%
HK$35,523
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,488/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,339 · 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).