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$16,110
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$509/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,922
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,403
−HK$487/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,332
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,933
−HK$611/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,794
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,506
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$585/mo
Today · 4.125%
HK$22,668
baseline
▲ 0.50% · 4.625%
HK$23,863
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,336/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$713/mo
Today · 4.125%
HK$23,968
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,936/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,764
−HK$682/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$916/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$878/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$35,795
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,948 · 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).