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$16,125
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$510/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$1,042/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,939
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$488/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$612/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,527
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$586/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$23,886
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$713/mo
Today · 4.125%
HK$23,991
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,982/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$683/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$27,867
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$918/mo
Today · 4.125%
HK$30,846
baseline
▲ 0.50% · 4.625%
HK$32,723
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,692/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,291
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,157
−HK$878/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$35,829
+HK$1,794/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,152 · 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).