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$16,088
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$509/mo
Today · 4.125%
HK$17,097
baseline
▲ 0.50% · 4.625%
HK$18,137
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,194/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,898
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$487/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$19,859
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,730/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,306
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$610/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,477
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$585/mo
Today · 4.125%
HK$22,638
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,276/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,523
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$712/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$682/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$915/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,647
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,216
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$876/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,661 · 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).