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$15,991
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$505/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$484/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,190
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$607/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,634
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$581/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,186/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,388
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$708/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,239
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,906
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$678/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$909/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,862/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,022
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$871/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$1,780/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,389 · 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).