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$16,108
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$509/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$488/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,778/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,931
−HK$611/mo
Today · 4.125%
HK$20,542
baseline
▲ 0.50% · 4.625%
HK$21,792
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,084/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,504
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,081
−HK$585/mo
Today · 4.125%
HK$22,666
baseline
▲ 0.50% · 4.625%
HK$23,861
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,332/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$713/mo
Today · 4.125%
HK$23,966
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,932/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,088
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$683/mo
Today · 4.125%
HK$26,444
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,888/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,995
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$916/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,688
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,122
−HK$877/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$1,793/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,928 · 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).