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$16,095
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,595
−HK$509/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,145
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,905
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,386
−HK$487/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,314
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$610/mo
Today · 4.125%
HK$20,525
baseline
▲ 0.50% · 4.625%
HK$21,774
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,050/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,486
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,063
−HK$584/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$23,841
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,533
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,234
−HK$712/mo
Today · 4.125%
HK$23,946
baseline
▲ 0.50% · 4.625%
HK$25,403
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,892/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,067
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$682/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$27,814
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,971
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,872
−HK$915/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,874/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,230
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$877/mo
Today · 4.125%
HK$33,971
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,942/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,750 · 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).