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$16,082
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$508/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$487/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$610/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,756
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,469
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,044
−HK$585/mo
Today · 4.125%
HK$22,629
baseline
▲ 0.50% · 4.625%
HK$23,821
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,258/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$711/mo
Today · 4.125%
HK$23,926
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,852/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,047
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$681/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$915/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,203
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$876/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,576 · 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).