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$16,041
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$507/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$18,084
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,094/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,846
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$486/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,801
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,250
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,848
−HK$609/mo
Today · 4.125%
HK$20,457
baseline
▲ 0.50% · 4.625%
HK$21,701
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,914/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,415
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$583/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,762
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,458
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$710/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$680/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$913/mo
Today · 4.125%
HK$30,685
baseline
▲ 0.50% · 4.625%
HK$32,552
+HK$1,867/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,370/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,122
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$874/mo
Today · 4.125%
HK$33,858
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$1,785/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,716/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,046 · 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).