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$16,056
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,556
−HK$507/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,126/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,862
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$486/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,268
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$609/mo
Today · 4.125%
HK$20,476
baseline
▲ 0.50% · 4.625%
HK$21,722
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,952/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,435
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$583/mo
Today · 4.125%
HK$22,593
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,186/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,479
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$710/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,007
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,678
−HK$681/mo
Today · 4.125%
HK$26,359
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,718/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,901
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$914/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$875/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,676
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,244 · 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).