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$16,034
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$506/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$485/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$608/mo
Today · 4.125%
HK$20,447
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,894/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$583/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$709/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$679/mo
Today · 4.125%
HK$26,322
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,644/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$912/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,108
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$874/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,951 · 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).