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$16,068
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$507/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$18,114
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,150/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$486/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,682/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,281
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$610/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$583/mo
Today · 4.125%
HK$22,609
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,218/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,495
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$711/mo
Today · 4.125%
HK$23,906
baseline
▲ 0.50% · 4.625%
HK$25,360
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,812/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$681/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,922
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,822
−HK$914/mo
Today · 4.125%
HK$30,736
baseline
▲ 0.50% · 4.625%
HK$32,606
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,472/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,176
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,039
−HK$875/mo
Today · 4.125%
HK$33,914
baseline
▲ 0.50% · 4.625%
HK$35,702
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,828/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,396 · 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).