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$16,147
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$510/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,203
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,963
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$489/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,376
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$612/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$586/mo
Today · 4.125%
HK$22,720
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,440/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,605
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$714/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,148
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$684/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$27,904
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,064
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,968
−HK$919/mo
Today · 4.125%
HK$30,887
baseline
▲ 0.50% · 4.625%
HK$32,766
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,774/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,333
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,201
−HK$879/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$35,877
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,433 · 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).