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$16,036
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$507/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,084/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$485/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$608/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$583/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,754
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$710/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$680/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$913/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,542
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$873/mo
Today · 4.125%
HK$33,847
baseline
▲ 0.50% · 4.625%
HK$35,632
+HK$1,785/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,694/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,981 · 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).