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$16,142
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$510/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,957
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$489/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$19,925
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,370
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,972
−HK$613/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,837
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,549
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$586/mo
Today · 4.125%
HK$22,713
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,426/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,301
−HK$714/mo
Today · 4.125%
HK$24,015
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,030/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,815
−HK$684/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$27,895
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,055
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$918/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,190
−HK$880/mo
Today · 4.125%
HK$34,070
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,140/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,366 · 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).