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$16,076
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$508/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$1,040/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$487/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$993/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,702/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,291
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$610/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,037
−HK$584/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,813
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$711/mo
Today · 4.125%
HK$23,918
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,455/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,836/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,038
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,710
−HK$681/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,782
+HK$1,391/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,937
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$915/mo
Today · 4.125%
HK$30,752
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,871/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$61,504/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$876/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$1,789/mo
Deposit HK$705K · loan HK$6.35M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$211,504 · 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).