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$16,164
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,667
−HK$511/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,223
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,356/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,465
−HK$489/mo
Today · 4.125%
HK$18,954
baseline
▲ 0.50% · 4.625%
HK$19,953
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,908/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,001
−HK$613/mo
Today · 4.125%
HK$20,614
baseline
▲ 0.50% · 4.625%
HK$21,868
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,228/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,579
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$587/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$23,944
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$715/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$685/mo
Today · 4.125%
HK$26,536
baseline
▲ 0.50% · 4.625%
HK$27,935
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,072/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,001
−HK$920/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$881/mo
Today · 4.125%
HK$34,118
baseline
▲ 0.50% · 4.625%
HK$35,916
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,236/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,667 · 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).