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$16,077
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$508/mo
Today · 4.125%
HK$17,085
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$1,039/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,170/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,885
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,365
−HK$486/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,845
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,702/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,292
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$610/mo
Today · 4.125%
HK$20,502
baseline
▲ 0.50% · 4.625%
HK$21,749
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,004/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,462
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,038
−HK$583/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$712/mo
Today · 4.125%
HK$23,919
baseline
▲ 0.50% · 4.625%
HK$25,374
+HK$1,455/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,838/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,039
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,710
−HK$682/mo
Today · 4.125%
HK$26,392
baseline
▲ 0.50% · 4.625%
HK$27,783
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,784/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,938
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,838
−HK$914/mo
Today · 4.125%
HK$30,752
baseline
▲ 0.50% · 4.625%
HK$32,624
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,504/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,056
−HK$876/mo
Today · 4.125%
HK$33,932
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,864/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,510 · 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).