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$16,038
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,537
−HK$507/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$485/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,246
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,844
−HK$608/mo
Today · 4.125%
HK$20,452
baseline
▲ 0.50% · 4.625%
HK$21,697
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,904/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,985
−HK$582/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,152
−HK$709/mo
Today · 4.125%
HK$23,861
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,722/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,979
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$679/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,716
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,868
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,766
−HK$913/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,545
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$211,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,116
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,977
−HK$874/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,635
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$211,002 · 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).