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$16,012
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,510
−HK$506/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,032/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,813
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$485/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$607/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$582/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,718
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,417
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$709/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$679/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,822
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$911/mo
Today · 4.125%
HK$30,629
baseline
▲ 0.50% · 4.625%
HK$32,493
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,258/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,064
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,924
−HK$872/mo
Today · 4.125%
HK$33,796
baseline
▲ 0.50% · 4.625%
HK$35,578
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,592/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,661 · 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).