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$16,138
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$510/mo
Today · 4.125%
HK$17,150
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,300/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$489/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$612/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,832
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$586/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$714/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$684/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,049
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,952
−HK$918/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,749
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,316
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,183
−HK$879/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$35,858
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,321 · 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).