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$16,149
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$511/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,324/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$489/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$612/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$587/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$714/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,488
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,152
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$685/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,068
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$919/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,771
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,338
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,205
−HK$880/mo
Today · 4.125%
HK$34,085
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,170/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,464 · 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).