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$15,985
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$505/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,974/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,783
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,260
−HK$483/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,486/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,182
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$606/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,625
+HK$1,241/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,339
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,912
−HK$580/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,678
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$707/mo
Today · 4.125%
HK$23,782
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,564/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,896
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$677/mo
Today · 4.125%
HK$26,241
baseline
▲ 0.50% · 4.625%
HK$27,624
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,482/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$910/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,009
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$871/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,517
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,301 · 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).