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$16,080
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$509/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$1,039/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$487/mo
Today · 4.125%
HK$18,856
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$993/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,712/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$609/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,467
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$584/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,213
−HK$711/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,380
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,045
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,716
−HK$682/mo
Today · 4.125%
HK$26,398
baseline
▲ 0.50% · 4.625%
HK$27,789
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,796/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,944
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$914/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,631
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,064
−HK$876/mo
Today · 4.125%
HK$33,940
baseline
▲ 0.50% · 4.625%
HK$35,729
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,880/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,559 · 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).