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$16,017
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$507/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,044/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,819
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$485/mo
Today · 4.125%
HK$18,782
baseline
▲ 0.50% · 4.625%
HK$19,772
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,564/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$608/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,383
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,956
−HK$582/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$708/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,947
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$678/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,831
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,728
−HK$911/mo
Today · 4.125%
HK$30,639
baseline
▲ 0.50% · 4.625%
HK$32,503
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,278/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,074
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,934
−HK$873/mo
Today · 4.125%
HK$33,807
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,614/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,729 · 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).