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$16,135
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,637
−HK$510/mo
Today · 4.125%
HK$17,147
baseline
▲ 0.50% · 4.625%
HK$18,191
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,294/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,950
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,432
−HK$488/mo
Today · 4.125%
HK$18,920
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,840/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$612/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,829
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$586/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$714/mo
Today · 4.125%
HK$24,006
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,012/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$683/mo
Today · 4.125%
HK$26,488
baseline
▲ 0.50% · 4.625%
HK$27,885
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,976/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,044
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,947
−HK$918/mo
Today · 4.125%
HK$30,865
baseline
▲ 0.50% · 4.625%
HK$32,743
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,730/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,311
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,177
−HK$879/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$35,852
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,284 · 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).