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$16,031
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,530
−HK$506/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$18,073
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,834
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,313
−HK$485/mo
Today · 4.125%
HK$18,798
baseline
▲ 0.50% · 4.625%
HK$19,789
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,596/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,237
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,836
−HK$608/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,401
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,975
−HK$583/mo
Today · 4.125%
HK$22,558
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,116/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,443
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$709/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$679/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$912/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,102
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,963
−HK$873/mo
Today · 4.125%
HK$33,836
baseline
▲ 0.50% · 4.625%
HK$35,620
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,672/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,912 · 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).