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$16,042
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$507/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,096/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,847
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$486/mo
Today · 4.125%
HK$18,811
baseline
▲ 0.50% · 4.625%
HK$19,802
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,622/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,849
−HK$609/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,416
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$583/mo
Today · 4.125%
HK$22,573
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,146/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$709/mo
Today · 4.125%
HK$23,867
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,734/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$680/mo
Today · 4.125%
HK$26,335
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,670/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$913/mo
Today · 4.125%
HK$30,687
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,867/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,374/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,124
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$874/mo
Today · 4.125%
HK$33,860
baseline
▲ 0.50% · 4.625%
HK$35,644
+HK$1,784/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,720/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,057 · 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).