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$16,107
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,608
−HK$509/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,159
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,234/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,919
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$487/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,328
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$611/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,790
+HK$1,249/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$585/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,251
−HK$713/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,422
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$683/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,895
−HK$916/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,686
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$878/mo
Today · 4.125%
HK$33,997
baseline
▲ 0.50% · 4.625%
HK$35,789
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,994/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,912 · 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).