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$16,078
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$509/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$1,039/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,887
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$486/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$19,847
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,706/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,294
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,894
−HK$610/mo
Today · 4.125%
HK$20,504
baseline
▲ 0.50% · 4.625%
HK$21,751
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,008/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,040
−HK$584/mo
Today · 4.125%
HK$22,624
baseline
▲ 0.50% · 4.625%
HK$23,816
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,248/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,510
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,210
−HK$711/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,377
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,042
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,713
−HK$682/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$27,786
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,941
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$915/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,871/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,196
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$876/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$35,725
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,533 · 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).