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$16,014
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$506/mo
Today · 4.125%
HK$17,018
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,036/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,815
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$484/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,767
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$607/mo
Today · 4.125%
HK$20,421
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,842/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,378
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,951
−HK$582/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,419
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$709/mo
Today · 4.125%
HK$23,825
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,650/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$678/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,824
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,721
−HK$911/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,496
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,067
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$872/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,581
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,681 · 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).