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$16,066
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$507/mo
Today · 4.125%
HK$17,073
baseline
▲ 0.50% · 4.625%
HK$18,112
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,146/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,873
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$487/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$609/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,448
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$584/mo
Today · 4.125%
HK$22,607
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,214/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,492
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,192
−HK$711/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,357
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,022
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$681/mo
Today · 4.125%
HK$26,374
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,748/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$914/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,602
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$876/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,697
+HK$1,787/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,370 · 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).