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$16,008
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$505/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$484/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,209
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$607/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,370
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,943
−HK$582/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$708/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,265
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,932
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$679/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$911/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,484
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,055
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$872/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,568
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,603 · 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).