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$1,007/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$507/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$486/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,277
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$609/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,732
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,445
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,020
−HK$584/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,795
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$711/mo
Today · 4.125%
HK$23,900
baseline
▲ 0.50% · 4.625%
HK$25,354
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,800/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$681/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,761
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,915
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$914/mo
Today · 4.125%
HK$30,728
baseline
▲ 0.50% · 4.625%
HK$32,598
+HK$1,870/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,456/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$875/mo
Today · 4.125%
HK$33,905
baseline
▲ 0.50% · 4.625%
HK$35,693
+HK$1,788/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,810/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,343 · 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).