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$16,152
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$511/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,330/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$489/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$613/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,851
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,562
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$586/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$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,613
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,316
−HK$715/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,493
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,831
−HK$684/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$27,913
+HK$1,398/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$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,978
−HK$918/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$212,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,344
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$880/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,500 · 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).