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$16,049
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$507/mo
Today · 4.125%
HK$17,055
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,110/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,854
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$486/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$608/mo
Today · 4.125%
HK$20,466
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,932/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,425
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$583/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,190/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,468
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$710/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,330
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,996
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$680/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,735
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$913/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,868/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,137
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$32,999
−HK$875/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,659
+HK$1,785/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,145 · 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).