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$16,133
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$510/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,288/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,947
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$488/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,359
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$612/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,825
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,537
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$586/mo
Today · 4.125%
HK$22,700
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,400/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,586
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$714/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,126
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$684/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$918/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,877/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,305
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,172
−HK$879/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$35,845
+HK$1,794/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,102/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,248 · 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).