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$16,022
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$506/mo
Today · 4.125%
HK$17,026
baseline
▲ 0.50% · 4.625%
HK$18,062
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,052/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$485/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,574/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$608/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,675
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$582/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,430
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$709/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$679/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$912/mo
Today · 4.125%
HK$30,648
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,864/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$61,296/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$873/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,599
+HK$1,782/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,789 · 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).