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$16,054
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$507/mo
Today · 4.125%
HK$17,061
baseline
▲ 0.50% · 4.625%
HK$18,099
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,122/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,860
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,339
−HK$486/mo
Today · 4.125%
HK$18,825
baseline
▲ 0.50% · 4.625%
HK$19,818
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,650/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,265
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,865
−HK$608/mo
Today · 4.125%
HK$20,473
baseline
▲ 0.50% · 4.625%
HK$21,719
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,946/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,007
−HK$583/mo
Today · 4.125%
HK$22,590
baseline
▲ 0.50% · 4.625%
HK$23,781
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,180/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,476
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$711/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,005
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$681/mo
Today · 4.125%
HK$26,356
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,712/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,898
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$913/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,149
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$875/mo
Today · 4.125%
HK$33,886
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,772/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,220 · 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).