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$16,091
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$509/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,200/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$487/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,736/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$610/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,768
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,481
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,057
−HK$584/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$712/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$682/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$916/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,872/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,221
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$876/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$35,752
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,697 · 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).