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$16,075
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,575
−HK$509/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$18,123
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$487/mo
Today · 4.125%
HK$18,850
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$994/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,700/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,291
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$609/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,036
−HK$584/mo
Today · 4.125%
HK$22,620
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,240/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$711/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$681/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,391/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,936
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,836
−HK$914/mo
Today · 4.125%
HK$30,750
baseline
▲ 0.50% · 4.625%
HK$32,621
+HK$1,871/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,500/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,191
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,054
−HK$876/mo
Today · 4.125%
HK$33,930
baseline
▲ 0.50% · 4.625%
HK$35,718
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,860/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,496 · 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).