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$16,009
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$505/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$485/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$607/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,371
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$582/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,412
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$708/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,267
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$678/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,560/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$910/mo
Today · 4.125%
HK$30,622
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,244/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,057
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,917
−HK$872/mo
Today · 4.125%
HK$33,789
baseline
▲ 0.50% · 4.625%
HK$35,570
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,578/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,616 · 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).