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$16,035
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$507/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,839
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$485/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,794
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,841
−HK$608/mo
Today · 4.125%
HK$20,449
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,898/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,407
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$583/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,449
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,148
−HK$709/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,309
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,975
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$679/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,864
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$913/mo
Today · 4.125%
HK$30,674
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,348/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,972
−HK$873/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,968 · 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).