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$16,031
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$507/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$1,036/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,834
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$485/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,237
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$608/mo
Today · 4.125%
HK$20,443
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,886/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,401
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,975
−HK$582/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,443
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$709/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$679/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,855
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$912/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,101
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$873/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,905 · 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).