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$16,050
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$507/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$18,095
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,856
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$486/mo
Today · 4.125%
HK$18,821
baseline
▲ 0.50% · 4.625%
HK$19,813
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,642/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$608/mo
Today · 4.125%
HK$20,468
baseline
▲ 0.50% · 4.625%
HK$21,714
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,936/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$583/mo
Today · 4.125%
HK$22,585
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,190/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,170/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$710/mo
Today · 4.125%
HK$23,880
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,760/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$680/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$913/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,868/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$874/mo
Today · 4.125%
HK$33,877
baseline
▲ 0.50% · 4.625%
HK$35,663
+HK$1,786/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,754/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,167 · 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).