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$16,060
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$507/mo
Today · 4.125%
HK$17,067
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,134/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,867
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$486/mo
Today · 4.125%
HK$18,832
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,664/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,272
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$609/mo
Today · 4.125%
HK$20,481
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,962/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,440
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$583/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,790
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,484
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$710/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,348
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,013
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$681/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,754
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,807
−HK$914/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,160
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$875/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,684
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,294 · 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).