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$16,172
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$511/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,372/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,991
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,473
−HK$490/mo
Today · 4.125%
HK$18,963
baseline
▲ 0.50% · 4.625%
HK$19,962
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,926/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,010
−HK$613/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,589
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$587/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$23,955
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$715/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,187
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,863
−HK$685/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$919/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,883/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,868/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,384
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$881/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,266/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,762 · 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).