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$16,074
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$508/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$18,121
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,164/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,361
−HK$487/mo
Today · 4.125%
HK$18,848
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,696/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$610/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,745
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,458
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$583/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,203
−HK$711/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,034
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,706
−HK$681/mo
Today · 4.125%
HK$26,387
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,391/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,774/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$915/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,618
+HK$1,871/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,187
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$876/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,714
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,471 · 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).