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$16,091
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,592
−HK$509/mo
Today · 4.125%
HK$17,101
baseline
▲ 0.50% · 4.625%
HK$18,141
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,202/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,902
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,382
−HK$487/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$19,863
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,310
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$611/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,769
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,482
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,058
−HK$585/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$712/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,398
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,062
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,734
−HK$682/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$27,809
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,965
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$915/mo
Today · 4.125%
HK$30,781
baseline
▲ 0.50% · 4.625%
HK$32,654
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,562/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,223
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$877/mo
Today · 4.125%
HK$33,964
baseline
▲ 0.50% · 4.625%
HK$35,754
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,928/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,707 · 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).