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$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$488/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$19,922
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$612/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$586/mo
Today · 4.125%
HK$22,709
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,418/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$714/mo
Today · 4.125%
HK$24,011
baseline
▲ 0.50% · 4.625%
HK$25,472
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,022/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,136
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$684/mo
Today · 4.125%
HK$26,494
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,988/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$918/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,750
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,318
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$879/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,331 · 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).