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$16,064
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$508/mo
Today · 4.125%
HK$17,072
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,144/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$486/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,830
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,277
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,877
−HK$609/mo
Today · 4.125%
HK$20,486
baseline
▲ 0.50% · 4.625%
HK$21,733
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,972/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,446
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$584/mo
Today · 4.125%
HK$22,605
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,210/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,490
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,190
−HK$711/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,691
−HK$681/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,762
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$914/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,169
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$875/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$1,787/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,351 · 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).