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$16,057
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$507/mo
Today · 4.125%
HK$17,064
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,128/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,864
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$486/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,821
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,658/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,868
−HK$609/mo
Today · 4.125%
HK$20,477
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,954/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,437
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,011
−HK$584/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,786
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$710/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$680/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,903
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,802
−HK$914/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,585
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,155
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$875/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$1,787/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,784/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,259 · 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).