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$15,994
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,491
−HK$506/mo
Today · 4.125%
HK$16,997
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,994/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,793
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$484/mo
Today · 4.125%
HK$18,754
baseline
▲ 0.50% · 4.625%
HK$19,743
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,508/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,192
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,789
−HK$607/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$581/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,186/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$707/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$678/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,789
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$910/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,455
+HK$1,861/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$871/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$1,780/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,420 · 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).