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$15,989
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$505/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$18,026
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,788
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$484/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,498/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,187
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$607/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$581/mo
Today · 4.125%
HK$22,499
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,998/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,385
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$707/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,903
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$678/mo
Today · 4.125%
HK$26,249
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,498/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,676
−HK$910/mo
Today · 4.125%
HK$30,586
baseline
▲ 0.50% · 4.625%
HK$32,447
+HK$1,861/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,172/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,877
−HK$871/mo
Today · 4.125%
HK$33,748
baseline
▲ 0.50% · 4.625%
HK$35,527
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,496/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,364 · 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).