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$16,045
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$507/mo
Today · 4.125%
HK$17,051
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,102/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$486/mo
Today · 4.125%
HK$18,814
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,628/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$609/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$582/mo
Today · 4.125%
HK$22,576
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,191/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,152/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,161
−HK$710/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,323
+HK$1,452/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,742/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,989
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$680/mo
Today · 4.125%
HK$26,339
baseline
▲ 0.50% · 4.625%
HK$27,728
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,678/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$912/mo
Today · 4.125%
HK$30,691
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,868/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$61,382/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,129
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$874/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$1,785/mo
Deposit HK$704K · loan HK$6.33M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,089 · 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).