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$16,121
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$509/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,174
+HK$1,043/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,934
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$488/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$19,899
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$612/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,521
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,098
−HK$585/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$23,879
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$713/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,443
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$683/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$878/mo
Today · 4.125%
HK$34,025
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$1,794/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,050/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,089 · 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).