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$16,099
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,600
−HK$509/mo
Today · 4.125%
HK$17,109
baseline
▲ 0.50% · 4.625%
HK$18,150
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,218/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,910
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,390
−HK$488/mo
Today · 4.125%
HK$18,878
baseline
▲ 0.50% · 4.625%
HK$19,873
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,756/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,319
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,920
−HK$610/mo
Today · 4.125%
HK$20,530
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,060/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,492
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$585/mo
Today · 4.125%
HK$22,653
baseline
▲ 0.50% · 4.625%
HK$23,847
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,306/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,539
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,240
−HK$712/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$683/mo
Today · 4.125%
HK$26,429
baseline
▲ 0.50% · 4.625%
HK$27,822
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,858/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,880
−HK$915/mo
Today · 4.125%
HK$30,795
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,874/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,590/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,238
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,103
−HK$877/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$1,791/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,806 · 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).