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$15,938
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,434
−HK$504/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,876/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,731
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,207
−HK$482/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,674
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,126
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$604/mo
Today · 4.125%
HK$20,325
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,650/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,277
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,848
−HK$579/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,609
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,854/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,313
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$706/mo
Today · 4.125%
HK$23,713
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,426/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,489
−HK$676/mo
Today · 4.125%
HK$26,165
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,330/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$907/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,343
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,916
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,772
−HK$868/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,689 · 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).