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$16,139
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,641
−HK$510/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,195
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,955
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$489/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$19,922
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$612/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$586/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$714/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$684/mo
Today · 4.125%
HK$26,495
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,990/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$919/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$880/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,336 · 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).