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$16,079
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,579
−HK$508/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$18,127
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$486/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$610/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$584/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$711/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,043
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$681/mo
Today · 4.125%
HK$26,396
baseline
▲ 0.50% · 4.625%
HK$27,787
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,792/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,843
−HK$914/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$876/mo
Today · 4.125%
HK$33,938
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$1,788/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,876/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,543 · 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).