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$16,086
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,587
−HK$508/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,896
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,376
−HK$487/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$610/mo
Today · 4.125%
HK$20,514
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,028/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,475
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$584/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,193/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$712/mo
Today · 4.125%
HK$23,933
baseline
▲ 0.50% · 4.625%
HK$25,389
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,866/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,054
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$682/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,392/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$915/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$877/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$1,790/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,639 · 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).