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$15,990
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$506/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,986/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$484/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,738
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,500/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,188
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,785
−HK$606/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,632
+HK$1,241/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,919
−HK$581/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,686
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,386
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$708/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,237
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,904
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,572
−HK$678/mo
Today · 4.125%
HK$26,250
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,500/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$910/mo
Today · 4.125%
HK$30,587
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,861/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,174/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,878
−HK$872/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,372 · 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).