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$16,024
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$506/mo
Today · 4.125%
HK$17,029
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$1,037/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,058/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,827
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$485/mo
Today · 4.125%
HK$18,790
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$991/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,580/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,229
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$608/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,966
−HK$582/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$709/mo
Today · 4.125%
HK$23,841
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,682/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,958
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,627
−HK$679/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$912/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,518
+HK$1,865/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,949
−HK$873/mo
Today · 4.125%
HK$33,822
baseline
▲ 0.50% · 4.625%
HK$35,605
+HK$1,783/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$67,644/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,825 · 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).