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$15,996
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$505/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,998/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$484/mo
Today · 4.125%
HK$18,757
baseline
▲ 0.50% · 4.625%
HK$19,745
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,514/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,195
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$607/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,927
−HK$581/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,695
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$708/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$677/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,385/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$910/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,862/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,032
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$871/mo
Today · 4.125%
HK$33,762
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$1,780/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,524/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,450 · 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).