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$16,013
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$506/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,034/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,814
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$485/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,767
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$608/mo
Today · 4.125%
HK$20,421
baseline
▲ 0.50% · 4.625%
HK$21,663
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,842/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,951
−HK$581/mo
Today · 4.125%
HK$22,532
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,064/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,418
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$708/mo
Today · 4.125%
HK$23,824
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,648/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,940
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,609
−HK$679/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,673
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,823
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$911/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,495
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,066
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,926
−HK$872/mo
Today · 4.125%
HK$33,798
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,596/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,675 · 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).