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$16,025
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$507/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$485/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,230
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,828
−HK$608/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,872/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,393
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$582/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,435
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$709/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$679/mo
Today · 4.125%
HK$26,307
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,614/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$912/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,865/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,090
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$873/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$1,783/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,831 · 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).