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$16,151
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$510/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,968
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$489/mo
Today · 4.125%
HK$18,939
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,878/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$612/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,562
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,140
−HK$587/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$23,925
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$715/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,492
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$685/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$919/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,210
−HK$880/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,495 · 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).