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$16,053
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,552
−HK$508/mo
Today · 4.125%
HK$17,060
baseline
▲ 0.50% · 4.625%
HK$18,098
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,120/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,859
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,338
−HK$486/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,816
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,648/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$608/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,430
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,005
−HK$583/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,779
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,474
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$710/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,337
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,002
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$680/mo
Today · 4.125%
HK$26,353
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,706/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$913/mo
Today · 4.125%
HK$30,707
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,414/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,146
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$874/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,668
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,199 · 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).