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$16,019
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,517
−HK$506/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$18,059
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,821
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,299
−HK$485/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,774
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,223
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$608/mo
Today · 4.125%
HK$20,428
baseline
▲ 0.50% · 4.625%
HK$21,671
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,856/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,958
−HK$582/mo
Today · 4.125%
HK$22,540
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,080/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$709/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$679/mo
Today · 4.125%
HK$26,297
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,594/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,834
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$911/mo
Today · 4.125%
HK$30,642
baseline
▲ 0.50% · 4.625%
HK$32,506
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,284/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,077
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,938
−HK$872/mo
Today · 4.125%
HK$33,810
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$1,783/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,620/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,750 · 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).