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$16,023
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$507/mo
Today · 4.125%
HK$17,028
baseline
▲ 0.50% · 4.625%
HK$18,064
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,056/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,825
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,303
−HK$485/mo
Today · 4.125%
HK$18,788
baseline
▲ 0.50% · 4.625%
HK$19,779
+HK$991/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,576/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,228
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,826
−HK$607/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,677
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,390
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,964
−HK$582/mo
Today · 4.125%
HK$22,546
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,092/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,432
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$709/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$679/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,841
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$912/mo
Today · 4.125%
HK$30,650
baseline
▲ 0.50% · 4.625%
HK$32,515
+HK$1,865/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$61,300/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,086
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$873/mo
Today · 4.125%
HK$33,819
baseline
▲ 0.50% · 4.625%
HK$35,602
+HK$1,783/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$67,638/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,805 · 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).