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$16,030
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$506/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$1,037/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$485/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$991/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$607/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$582/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$710/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$680/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$912/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,529
+HK$1,865/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$873/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,900 · 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).