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$16,045
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$507/mo
Today · 4.125%
HK$17,051
baseline
▲ 0.50% · 4.625%
HK$18,089
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,102/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,850
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$486/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,806
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,630/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,254
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,853
−HK$609/mo
Today · 4.125%
HK$20,462
baseline
▲ 0.50% · 4.625%
HK$21,707
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,924/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,420
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,995
−HK$583/mo
Today · 4.125%
HK$22,578
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,156/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,162
−HK$710/mo
Today · 4.125%
HK$23,872
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,744/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$679/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,882
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,780
−HK$913/mo
Today · 4.125%
HK$30,693
baseline
▲ 0.50% · 4.625%
HK$32,560
+HK$1,867/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,386/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,130
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,992
−HK$874/mo
Today · 4.125%
HK$33,866
baseline
▲ 0.50% · 4.625%
HK$35,651
+HK$1,785/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,732/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,099 · 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).