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$16,016
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$506/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$484/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,770
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,560/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,219
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$607/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,381
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$581/mo
Today · 4.125%
HK$22,536
baseline
▲ 0.50% · 4.625%
HK$23,724
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,072/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$709/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$678/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,829
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$911/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,072
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$873/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,714 · 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).