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$16,111
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$509/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,244/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,924
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$487/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,334
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$611/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,509
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$586/mo
Today · 4.125%
HK$22,671
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,342/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,556
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$712/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,429
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$683/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$27,843
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,903
−HK$916/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,875/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,263
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,128
−HK$878/mo
Today · 4.125%
HK$34,006
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$1,792/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,012/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,969 · 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).