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$16,093
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$509/mo
Today · 4.125%
HK$17,102
baseline
▲ 0.50% · 4.625%
HK$18,143
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,204/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,903
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$487/mo
Today · 4.125%
HK$18,870
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,740/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,312
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,912
−HK$611/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,484
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,060
−HK$585/mo
Today · 4.125%
HK$22,645
baseline
▲ 0.50% · 4.625%
HK$23,838
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,290/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,530
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$712/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,400
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,064
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,737
−HK$682/mo
Today · 4.125%
HK$26,419
baseline
▲ 0.50% · 4.625%
HK$27,811
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,838/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,967
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,868
−HK$916/mo
Today · 4.125%
HK$30,784
baseline
▲ 0.50% · 4.625%
HK$32,657
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,568/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$877/mo
Today · 4.125%
HK$33,967
baseline
▲ 0.50% · 4.625%
HK$35,757
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,934/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,726 · 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).