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$16,015
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$506/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,817
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,295
−HK$485/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,560/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$608/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$581/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$709/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$678/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,828
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$911/mo
Today · 4.125%
HK$30,635
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,865/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,270/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,071
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$872/mo
Today · 4.125%
HK$33,803
baseline
▲ 0.50% · 4.625%
HK$35,585
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,606/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,706 · 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).