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$16,029
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$507/mo
Today · 4.125%
HK$17,034
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$1,037/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,068/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$485/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$991/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$608/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,398
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$582/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$710/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,965
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$680/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,852
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,749
−HK$912/mo
Today · 4.125%
HK$30,661
baseline
▲ 0.50% · 4.625%
HK$32,527
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,322/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,098
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,958
−HK$874/mo
Today · 4.125%
HK$33,832
baseline
▲ 0.50% · 4.625%
HK$35,615
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,664/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,883 · 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).