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$16,056
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$508/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,126/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,862
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,341
−HK$486/mo
Today · 4.125%
HK$18,827
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,654/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$609/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,721
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,434
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$583/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,478
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$711/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,007
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,677
−HK$681/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,747
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,716/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,901
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$914/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,014
−HK$875/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,238 · 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).