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$16,067
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$508/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,148/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$487/mo
Today · 4.125%
HK$18,840
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,680/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,280
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$609/mo
Today · 4.125%
HK$20,489
baseline
▲ 0.50% · 4.625%
HK$21,736
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,978/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,449
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$584/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,799
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$711/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,024
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$681/mo
Today · 4.125%
HK$26,376
baseline
▲ 0.50% · 4.625%
HK$27,766
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,752/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$914/mo
Today · 4.125%
HK$30,734
baseline
▲ 0.50% · 4.625%
HK$32,604
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,468/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,173
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$875/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,380 · 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).