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$16,101
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$508/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,152
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,220/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,912
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$488/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$611/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,494
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$585/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,541
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$713/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,749
−HK$683/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,981
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$916/mo
Today · 4.125%
HK$30,799
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,874/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,598/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,242
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,106
−HK$877/mo
Today · 4.125%
HK$33,983
baseline
▲ 0.50% · 4.625%
HK$35,775
+HK$1,792/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,966/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,829 · 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).