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$16,114
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$510/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$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,927
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$487/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,938
−HK$612/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,800
+HK$1,250/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$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,512
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,089
−HK$585/mo
Today · 4.125%
HK$22,674
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,348/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$712/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,433
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$682/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$916/mo
Today · 4.125%
HK$30,824
baseline
▲ 0.50% · 4.625%
HK$32,700
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,648/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,268
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$878/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$35,804
+HK$1,792/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,005 · 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).