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$15,936
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$504/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$1,030/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,872/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,729
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$482/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,672
+HK$985/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,374/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$604/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,236/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,275
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$579/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,606
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.19M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,005
−HK$705/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,821
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$676/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,541
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,685
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$906/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$868/mo
Today · 4.125%
HK$33,636
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$1,773/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,272/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,666 · 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).