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$16,121
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$509/mo
Today · 4.125%
HK$17,132
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$1,043/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,264/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,416
−HK$488/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$612/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$586/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$23,880
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$713/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,782
−HK$683/mo
Today · 4.125%
HK$26,465
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,930/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$917/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,715
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,283
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,149
−HK$878/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,100 · 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).