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$16,130
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,631
−HK$510/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$488/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$19,910
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,355
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$611/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,110
−HK$586/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,581
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$713/mo
Today · 4.125%
HK$23,997
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,994/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,795
−HK$684/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$27,875
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$918/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,877/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$879/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$1,795/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,208 · 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).