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$16,170
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,673
−HK$511/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$1,045/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$490/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,404
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$614/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,875
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$588/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$23,952
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,638
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$715/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,521
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$685/mo
Today · 4.125%
HK$26,545
baseline
▲ 0.50% · 4.625%
HK$27,944
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,090/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$920/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,813
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,380
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$881/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,737 · 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).