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$16,096
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$509/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,907
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$487/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$611/mo
Today · 4.125%
HK$20,527
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,054/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,064
−HK$585/mo
Today · 4.125%
HK$22,649
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,298/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$712/mo
Today · 4.125%
HK$23,948
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,896/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,742
−HK$682/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$27,817
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$916/mo
Today · 4.125%
HK$30,790
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,873/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,580/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,232
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$877/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$1,790/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,768 · 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).