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$16,003
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,501
−HK$505/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,803
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$485/mo
Today · 4.125%
HK$18,765
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,530/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,203
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$606/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,649
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,936
−HK$582/mo
Today · 4.125%
HK$22,518
baseline
▲ 0.50% · 4.625%
HK$23,705
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,036/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,404
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$708/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,257
+HK$1,448/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,924
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,592
−HK$679/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,384/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,805
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$910/mo
Today · 4.125%
HK$30,611
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,222/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$871/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,557
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,539 · 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).