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$15,999
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,497
−HK$505/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,004/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,799
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$484/mo
Today · 4.125%
HK$18,760
baseline
▲ 0.50% · 4.625%
HK$19,749
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,520/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,199
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$607/mo
Today · 4.125%
HK$20,403
baseline
▲ 0.50% · 4.625%
HK$21,644
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,806/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,358
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$581/mo
Today · 4.125%
HK$22,512
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,024/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,095
−HK$708/mo
Today · 4.125%
HK$23,803
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,606/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,918
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$678/mo
Today · 4.125%
HK$26,264
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,385/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,528/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,694
−HK$910/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,862/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,037
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,897
−HK$871/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$1,780/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,488 · 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).