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$16,067
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$508/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$18,114
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,150/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$486/mo
Today · 4.125%
HK$18,840
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,680/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,281
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$610/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,025
−HK$583/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,194
−HK$711/mo
Today · 4.125%
HK$23,905
baseline
▲ 0.50% · 4.625%
HK$25,359
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,810/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$681/mo
Today · 4.125%
HK$26,377
baseline
▲ 0.50% · 4.625%
HK$27,767
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,754/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,821
−HK$914/mo
Today · 4.125%
HK$30,735
baseline
▲ 0.50% · 4.625%
HK$32,605
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,470/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$876/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$1,787/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,826/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,388 · 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).