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$16,006
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$506/mo
Today · 4.125%
HK$17,009
baseline
▲ 0.50% · 4.625%
HK$18,044
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,018/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,806
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$484/mo
Today · 4.125%
HK$18,768
baseline
▲ 0.50% · 4.625%
HK$19,757
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,536/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,207
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$607/mo
Today · 4.125%
HK$20,411
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,822/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,367
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$582/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,709
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,105
−HK$708/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,262
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,928
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,597
−HK$678/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$911/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,051
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$872/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,576 · 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).