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$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$485/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,213
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$607/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$582/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$708/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,270
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$678/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,819
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$911/mo
Today · 4.125%
HK$30,626
baseline
▲ 0.50% · 4.625%
HK$32,490
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,252/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,061
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,920
−HK$873/mo
Today · 4.125%
HK$33,793
baseline
▲ 0.50% · 4.625%
HK$35,574
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,586/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,641 · 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).