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$16,085
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$508/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$18,134
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,188/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$487/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$610/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,761
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,474
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$584/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,519
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$712/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$681/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$27,798
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,812/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,854
−HK$915/mo
Today · 4.125%
HK$30,769
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,538/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,211
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$877/mo
Today · 4.125%
HK$33,951
baseline
▲ 0.50% · 4.625%
HK$35,740
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,902/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,626 · 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).