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$16,168
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,670
−HK$511/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,986
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$489/mo
Today · 4.125%
HK$18,958
baseline
▲ 0.50% · 4.625%
HK$19,957
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,916/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,005
−HK$613/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,872
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$588/mo
Today · 4.125%
HK$22,750
baseline
▲ 0.50% · 4.625%
HK$23,949
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,500/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,339
−HK$715/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,518
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,181
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,856
−HK$685/mo
Today · 4.125%
HK$26,541
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,082/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,102
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,007
−HK$919/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,808
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,375
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$881/mo
Today · 4.125%
HK$34,124
baseline
▲ 0.50% · 4.625%
HK$35,923
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,248/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,707 · 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).