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$16,157
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,660
−HK$511/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,215
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$489/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$19,945
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$613/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,570
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$587/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$23,934
+HK$1,199/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$715/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,462/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$684/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,988
−HK$919/mo
Today · 4.125%
HK$30,907
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,814/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$880/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$1,797/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,573 · 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).