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$16,006
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,504
−HK$506/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,807
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$485/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,758
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,538/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,207
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$607/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,654
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$581/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,710
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$708/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,263
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$678/mo
Today · 4.125%
HK$26,276
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,552/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,811
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,707
−HK$911/mo
Today · 4.125%
HK$30,618
baseline
▲ 0.50% · 4.625%
HK$32,481
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,236/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,052
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$872/mo
Today · 4.125%
HK$33,784
baseline
▲ 0.50% · 4.625%
HK$35,564
+HK$1,780/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,568/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,583 · 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).