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$16,162
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$511/mo
Today · 4.125%
HK$17,176
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,352/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,462
−HK$490/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$19,950
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,394
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$613/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$587/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$715/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$685/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,092
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$919/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$881/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$35,911
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,635 · 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).