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$16,030
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$506/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$1,037/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$486/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,834
−HK$608/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$582/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$709/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$679/mo
Today · 4.125%
HK$26,315
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,630/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$912/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,529
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,326/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$874/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,897 · 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).