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$16,002
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$505/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,802
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$485/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,753
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$606/mo
Today · 4.125%
HK$20,406
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,242/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,812/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$581/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,100
−HK$708/mo
Today · 4.125%
HK$23,808
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,448/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,616/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$678/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$911/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,862/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$872/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,555
+HK$1,780/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,528 · 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).