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$16,015
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$506/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,038/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$485/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$607/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$582/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,722
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$709/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$678/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,827
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,723
−HK$911/mo
Today · 4.125%
HK$30,634
baseline
▲ 0.50% · 4.625%
HK$32,498
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,268/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,069
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$873/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,584
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,698 · 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).