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$16,115
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,616
−HK$509/mo
Today · 4.125%
HK$17,125
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,250/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,927
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$488/mo
Today · 4.125%
HK$18,896
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,792/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$611/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,100/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$585/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$713/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$683/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$917/mo
Today · 4.125%
HK$30,825
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,650/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$878/mo
Today · 4.125%
HK$34,013
baseline
▲ 0.50% · 4.625%
HK$35,805
+HK$1,792/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,026/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,010 · 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).