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$16,048
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$507/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,108/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,853
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$486/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,810
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,257
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$609/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,245/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,424
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$583/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,771
+HK$1,190/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$710/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$680/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,886
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$913/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,867/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$875/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$1,785/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,133 · 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).