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$15,997
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$505/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$18,035
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,000/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,797
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$484/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,747
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,516/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,197
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,794
−HK$607/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,356
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,929
−HK$581/mo
Today · 4.125%
HK$22,510
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,020/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,396
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$708/mo
Today · 4.125%
HK$23,801
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,602/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,916
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$678/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,795
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,691
−HK$910/mo
Today · 4.125%
HK$30,601
baseline
▲ 0.50% · 4.625%
HK$32,463
+HK$1,862/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$61,202/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,034
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,893
−HK$872/mo
Today · 4.125%
HK$33,765
baseline
▲ 0.50% · 4.625%
HK$35,545
+HK$1,780/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$67,530/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,467 · 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).