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$16,100
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$509/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,220/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,911
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$487/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$19,874
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,758/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,320
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$611/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,781
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,494
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$585/mo
Today · 4.125%
HK$22,655
baseline
▲ 0.50% · 4.625%
HK$23,849
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,310/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,241
−HK$713/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,457/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,076
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,748
−HK$683/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$27,824
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,882
−HK$916/mo
Today · 4.125%
HK$30,798
baseline
▲ 0.50% · 4.625%
HK$32,672
+HK$1,874/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,596/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,105
−HK$877/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$1,791/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,821 · 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).