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$16,098
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$509/mo
Today · 4.125%
HK$17,107
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,214/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,908
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$487/mo
Today · 4.125%
HK$18,876
baseline
▲ 0.50% · 4.625%
HK$19,871
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,752/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$611/mo
Today · 4.125%
HK$20,529
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,058/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,490
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$585/mo
Today · 4.125%
HK$22,651
baseline
▲ 0.50% · 4.625%
HK$23,845
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,302/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$712/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$682/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,976
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,877
−HK$916/mo
Today · 4.125%
HK$30,793
baseline
▲ 0.50% · 4.625%
HK$32,666
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,586/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,235
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$877/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$35,768
+HK$1,791/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,787 · 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).