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$16,083
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$508/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,893
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$487/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$610/mo
Today · 4.125%
HK$20,510
baseline
▲ 0.50% · 4.625%
HK$21,758
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,020/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,471
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$584/mo
Today · 4.125%
HK$22,631
baseline
▲ 0.50% · 4.625%
HK$23,824
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,262/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$712/mo
Today · 4.125%
HK$23,929
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,858/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,050
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$682/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,806/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$915/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$877/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$35,736
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,894/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,599 · 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).