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$16,128
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$510/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$1,042/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$488/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,354
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$611/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,819
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$586/mo
Today · 4.125%
HK$22,694
baseline
▲ 0.50% · 4.625%
HK$23,890
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,388/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,579
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$713/mo
Today · 4.125%
HK$23,995
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,990/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,119
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,793
−HK$683/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$27,872
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$917/mo
Today · 4.125%
HK$30,851
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,877/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,702/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,296
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$879/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$35,836
+HK$1,795/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,189 · 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).