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$16,001
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,499
−HK$505/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$18,039
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,801
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$485/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,752
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$606/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,647
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,361
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,934
−HK$581/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,402
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$708/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,255
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$678/mo
Today · 4.125%
HK$26,268
baseline
▲ 0.50% · 4.625%
HK$27,653
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,536/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$910/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$872/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$1,780/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,517 · 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).