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$16,000
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$506/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$484/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$606/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$581/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,701
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$708/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,254
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,589
−HK$678/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,384/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,801
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$911/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,469
+HK$1,862/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,040
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$871/mo
Today · 4.125%
HK$33,771
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$1,780/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,542/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,507 · 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).