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$16,094
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,595
−HK$509/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,905
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,385
−HK$487/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,313
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$610/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,486
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$585/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,532
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$712/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,067
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$682/mo
Today · 4.125%
HK$26,421
baseline
▲ 0.50% · 4.625%
HK$27,814
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,842/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$915/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,874/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$877/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$35,760
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,744 · 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).