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$15,987
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$505/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,785
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$484/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,184
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$606/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,628
+HK$1,241/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,342
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$581/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,381
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$707/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,232
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,899
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$677/mo
Today · 4.125%
HK$26,244
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,488/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$910/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,013
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$871/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,328 · 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).