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$16,123
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$510/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$1,042/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,268/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,936
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$488/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$996/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,812/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,949
−HK$612/mo
Today · 4.125%
HK$20,561
baseline
▲ 0.50% · 4.625%
HK$21,812
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,122/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,101
−HK$586/mo
Today · 4.125%
HK$22,687
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,374/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$713/mo
Today · 4.125%
HK$23,987
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,974/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,111
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$683/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,924
−HK$917/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,718
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,286
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$878/mo
Today · 4.125%
HK$34,030
baseline
▲ 0.50% · 4.625%
HK$35,824
+HK$1,794/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,060/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,119 · 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).