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$16,108
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$509/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,159
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$488/mo
Today · 4.125%
HK$18,888
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,776/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$611/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$585/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,551
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,252
−HK$713/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$683/mo
Today · 4.125%
HK$26,443
baseline
▲ 0.50% · 4.625%
HK$27,837
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,886/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,994
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$916/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,255
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,120
−HK$878/mo
Today · 4.125%
HK$33,998
baseline
▲ 0.50% · 4.625%
HK$35,790
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,996/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,919 · 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).