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$16,097
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$509/mo
Today · 4.125%
HK$17,107
baseline
▲ 0.50% · 4.625%
HK$18,147
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,214/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,908
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,388
−HK$487/mo
Today · 4.125%
HK$18,875
baseline
▲ 0.50% · 4.625%
HK$19,870
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,750/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$611/mo
Today · 4.125%
HK$20,528
baseline
▲ 0.50% · 4.625%
HK$21,777
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,056/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,489
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$584/mo
Today · 4.125%
HK$22,650
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,300/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$712/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$683/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$916/mo
Today · 4.125%
HK$30,792
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,584/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$877/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$35,767
+HK$1,791/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,781 · 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).