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$16,049
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$507/mo
Today · 4.125%
HK$17,056
baseline
▲ 0.50% · 4.625%
HK$18,094
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,112/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,334
−HK$485/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$609/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,245/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,934/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,426
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$583/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,774
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,469
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,168
−HK$710/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,331
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,997
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,667
−HK$680/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,889
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$913/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,868/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$875/mo
Today · 4.125%
HK$33,875
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$1,785/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,750/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,152 · 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).