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$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$484/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$607/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$581/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$709/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,604
−HK$679/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$910/mo
Today · 4.125%
HK$30,625
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,250/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,920
−HK$872/mo
Today · 4.125%
HK$33,792
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,584/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,637 · 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).