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$16,007
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$506/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$18,046
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,807
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$485/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,759
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,806
−HK$607/mo
Today · 4.125%
HK$20,413
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,826/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,369
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,942
−HK$581/mo
Today · 4.125%
HK$22,523
baseline
▲ 0.50% · 4.625%
HK$23,711
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,046/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,410
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,107
−HK$708/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,599
−HK$678/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,662
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,709
−HK$910/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,913
−HK$872/mo
Today · 4.125%
HK$33,785
baseline
▲ 0.50% · 4.625%
HK$35,566
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,570/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,593 · 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).