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$16,043
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,542
−HK$507/mo
Today · 4.125%
HK$17,049
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,098/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,848
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$485/mo
Today · 4.125%
HK$18,812
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,624/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,851
−HK$608/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,992
−HK$583/mo
Today · 4.125%
HK$22,575
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,150/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$710/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,321
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,987
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$680/mo
Today · 4.125%
HK$26,337
baseline
▲ 0.50% · 4.625%
HK$27,725
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,674/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,878
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$913/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,867/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$874/mo
Today · 4.125%
HK$33,862
baseline
▲ 0.50% · 4.625%
HK$35,647
+HK$1,785/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,724/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,071 · 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).