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$15,997
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$506/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$18,034
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,000/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,796
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$484/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,516/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,196
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$607/mo
Today · 4.125%
HK$20,400
baseline
▲ 0.50% · 4.625%
HK$21,641
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,800/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,355
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,928
−HK$581/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,696
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$708/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,448/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$678/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$910/mo
Today · 4.125%
HK$30,600
baseline
▲ 0.50% · 4.625%
HK$32,462
+HK$1,862/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$61,200/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$872/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$1,780/mo
Deposit HK$702K · loan HK$6.31M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,460 · 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).