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$16,106
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$509/mo
Today · 4.125%
HK$17,116
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,232/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$488/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,327
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$610/mo
Today · 4.125%
HK$20,539
baseline
▲ 0.50% · 4.625%
HK$21,789
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,078/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,501
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,078
−HK$585/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$23,858
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$713/mo
Today · 4.125%
HK$23,963
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,926/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$682/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$916/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,252
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$878/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,899 · 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).