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$16,082
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$508/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,182/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$487/mo
Today · 4.125%
HK$18,858
baseline
▲ 0.50% · 4.625%
HK$19,852
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,716/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,299
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$610/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$585/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$711/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,383
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$681/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,849
−HK$914/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,635
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,526/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$876/mo
Today · 4.125%
HK$33,944
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$1,790/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,888/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,586 · 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).