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$16,071
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,571
−HK$508/mo
Today · 4.125%
HK$17,079
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,158/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,879
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$487/mo
Today · 4.125%
HK$18,845
baseline
▲ 0.50% · 4.625%
HK$19,838
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,690/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$610/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,742
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$584/mo
Today · 4.125%
HK$22,614
baseline
▲ 0.50% · 4.625%
HK$23,806
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,228/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$711/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,365
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,030
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,702
−HK$681/mo
Today · 4.125%
HK$26,383
baseline
▲ 0.50% · 4.625%
HK$27,773
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,766/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,828
−HK$914/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$876/mo
Today · 4.125%
HK$33,921
baseline
▲ 0.50% · 4.625%
HK$35,709
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,842/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,438 · 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).