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$16,000
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,497
−HK$506/mo
Today · 4.125%
HK$17,003
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,006/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,799
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,277
−HK$484/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$607/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,359
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$581/mo
Today · 4.125%
HK$22,513
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,026/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$708/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,449/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$678/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,650
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,799
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$910/mo
Today · 4.125%
HK$30,605
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,863/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$61,210/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,039
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$872/mo
Today · 4.125%
HK$33,770
baseline
▲ 0.50% · 4.625%
HK$35,550
+HK$1,780/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$67,540/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,499 · 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).