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$16,009
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$506/mo
Today · 4.125%
HK$17,013
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,026/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,810
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$485/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,762
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,211
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,809
−HK$607/mo
Today · 4.125%
HK$20,416
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,832/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,946
−HK$581/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,110
−HK$709/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,934
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$679/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$911/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$873/mo
Today · 4.125%
HK$33,791
baseline
▲ 0.50% · 4.625%
HK$35,572
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,582/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,627 · 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).