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$16,171
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,674
−HK$511/mo
Today · 4.125%
HK$17,185
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,370/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,990
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$490/mo
Today · 4.125%
HK$18,962
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,924/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,405
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$613/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$587/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$23,954
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,639
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$716/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,523
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,186
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$685/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$27,946
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,107
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,013
−HK$920/mo
Today · 4.125%
HK$30,933
baseline
▲ 0.50% · 4.625%
HK$32,815
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,866/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,382
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$881/mo
Today · 4.125%
HK$34,131
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,262/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,750 · 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).