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$16,149
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$510/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,322/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$489/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,378
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$613/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$587/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,608
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,311
−HK$715/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,488
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$684/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$27,907
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,067
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$918/mo
Today · 4.125%
HK$30,890
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,780/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,337
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,205
−HK$879/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,458 · 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).