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$16,033
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$507/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$1,036/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,837
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,315
−HK$485/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$608/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,404
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,978
−HK$582/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$709/mo
Today · 4.125%
HK$23,854
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,708/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,971
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,641
−HK$679/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,708
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$912/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$874/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,939 · 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).