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$16,130
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$509/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$489/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$612/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$585/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$23,893
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,582
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$714/mo
Today · 4.125%
HK$23,998
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,996/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,796
−HK$683/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$27,875
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$917/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,732
+HK$1,878/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$879/mo
Today · 4.125%
HK$34,045
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$1,794/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,090/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,211 · 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).