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$16,047
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$507/mo
Today · 4.125%
HK$17,053
baseline
▲ 0.50% · 4.625%
HK$18,091
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,106/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$485/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,256
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$609/mo
Today · 4.125%
HK$20,464
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,928/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$583/mo
Today · 4.125%
HK$22,580
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,160/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,465
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,164
−HK$710/mo
Today · 4.125%
HK$23,874
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,748/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,993
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,663
−HK$680/mo
Today · 4.125%
HK$26,343
baseline
▲ 0.50% · 4.625%
HK$27,731
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,686/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,884
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$912/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,563
+HK$1,868/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,133
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,995
−HK$874/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$1,786/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,119 · 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).