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$16,166
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$511/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$489/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,399
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$613/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,581
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$587/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$715/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,515
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$685/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$919/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,372
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$881/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,685 · 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).