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$16,037
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,536
−HK$506/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,084/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,841
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$486/mo
Today · 4.125%
HK$18,805
baseline
▲ 0.50% · 4.625%
HK$19,796
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,610/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,843
−HK$608/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,409
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$583/mo
Today · 4.125%
HK$22,566
baseline
▲ 0.50% · 4.625%
HK$23,755
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,132/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$709/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,977
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$680/mo
Today · 4.125%
HK$26,327
baseline
▲ 0.50% · 4.625%
HK$27,714
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,654/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,764
−HK$912/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,867/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,113
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,975
−HK$873/mo
Today · 4.125%
HK$33,848
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$1,785/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,696/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,987 · 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).