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$16,080
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$508/mo
Today · 4.125%
HK$17,088
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,176/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$487/mo
Today · 4.125%
HK$18,855
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$994/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,710/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$609/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,753
+HK$1,248/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$584/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$711/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,379
+HK$1,456/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$682/mo
Today · 4.125%
HK$26,397
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,794/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,943
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,843
−HK$915/mo
Today · 4.125%
HK$30,758
baseline
▲ 0.50% · 4.625%
HK$32,630
+HK$1,872/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,516/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,199
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,063
−HK$876/mo
Today · 4.125%
HK$33,939
baseline
▲ 0.50% · 4.625%
HK$35,728
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,878/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,550 · 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).