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$16,159
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$511/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$489/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$613/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$587/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$715/mo
Today · 4.125%
HK$24,041
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,462/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,082/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$684/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$27,925
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,990
−HK$919/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,790
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,225
−HK$880/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,589 · 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).