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$16,126
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$510/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,421
−HK$488/mo
Today · 4.125%
HK$18,909
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,818/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$612/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,105
−HK$586/mo
Today · 4.125%
HK$22,691
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,382/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,576
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$714/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$684/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$918/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$878/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$1,794/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,159 · 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).