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$16,583
−HK$509/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$1,039/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$211,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,892
−HK$967/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$211,595 · 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$211,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,471
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,046
−HK$585/mo
Today · 4.125%
HK$22,631
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,192/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$211,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$711/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,384
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,049
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$681/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$27,794
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,949
−HK$1,816/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$211,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,206
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$876/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,595 · 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).