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$16,069
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$508/mo
Today · 4.125%
HK$17,077
baseline
▲ 0.50% · 4.625%
HK$18,116
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,154/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$486/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,283
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$610/mo
Today · 4.125%
HK$20,492
baseline
▲ 0.50% · 4.625%
HK$21,739
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,984/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,452
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$584/mo
Today · 4.125%
HK$22,611
baseline
▲ 0.50% · 4.625%
HK$23,803
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,222/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$711/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,027
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$681/mo
Today · 4.125%
HK$26,379
baseline
▲ 0.50% · 4.625%
HK$27,770
+HK$1,391/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,758/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$914/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$875/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,409 · 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).