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$16,151
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$511/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,968
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$488/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,381
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,984
−HK$612/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,561
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$587/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$715/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$685/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$919/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$880/mo
Today · 4.125%
HK$34,089
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,178/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,487 · 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).