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$16,114
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$509/mo
Today · 4.125%
HK$17,124
baseline
▲ 0.50% · 4.625%
HK$18,166
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,248/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,407
−HK$488/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,336
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,938
−HK$611/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,799
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$586/mo
Today · 4.125%
HK$22,674
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,348/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,559
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$713/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,097
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$682/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,907
−HK$916/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$878/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,996 · 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).