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$16,081
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$509/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$1,039/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,890
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$487/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,297
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$609/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,044
−HK$584/mo
Today · 4.125%
HK$22,628
baseline
▲ 0.50% · 4.625%
HK$23,821
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,256/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$711/mo
Today · 4.125%
HK$23,925
baseline
▲ 0.50% · 4.625%
HK$25,381
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,850/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,046
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,718
−HK$681/mo
Today · 4.125%
HK$26,399
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,798/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,846
−HK$915/mo
Today · 4.125%
HK$30,761
baseline
▲ 0.50% · 4.625%
HK$32,633
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,522/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,202
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$876/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$35,731
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,570 · 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).