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$16,120
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$510/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,933
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$488/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$19,898
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,945
−HK$612/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$585/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$713/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$683/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$917/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$879/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,079 · 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).