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$16,104
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$509/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,155
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,915
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$487/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,325
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$610/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,250/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$585/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$712/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,754
−HK$683/mo
Today · 4.125%
HK$26,437
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,874/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,889
−HK$916/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,679
+HK$1,874/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$877/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,869 · 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).