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$16,087
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$508/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$18,136
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,192/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$487/mo
Today · 4.125%
HK$18,864
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,728/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$610/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$585/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$712/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,056
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$681/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,957
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$915/mo
Today · 4.125%
HK$30,773
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,872/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,546/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$876/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$35,745
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,652 · 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).