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$16,077
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$508/mo
Today · 4.125%
HK$17,085
baseline
▲ 0.50% · 4.625%
HK$18,125
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,170/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,886
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,365
−HK$487/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,846
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,293
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,893
−HK$609/mo
Today · 4.125%
HK$20,502
baseline
▲ 0.50% · 4.625%
HK$21,750
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,004/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,463
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$583/mo
Today · 4.125%
HK$22,622
baseline
▲ 0.50% · 4.625%
HK$23,815
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,244/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,508
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$712/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,375
+HK$1,455/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,040
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,712
−HK$681/mo
Today · 4.125%
HK$26,393
baseline
▲ 0.50% · 4.625%
HK$27,784
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,786/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,839
−HK$915/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,625
+HK$1,871/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,194
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$876/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,722
+HK$1,788/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,519 · 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).