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$16,162
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$511/mo
Today · 4.125%
HK$17,175
baseline
▲ 0.50% · 4.625%
HK$18,220
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,350/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,462
−HK$489/mo
Today · 4.125%
HK$18,951
baseline
▲ 0.50% · 4.625%
HK$19,950
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,902/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,394
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$613/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,864
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,154
−HK$587/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$715/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,508
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$685/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,091
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,996
−HK$919/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$880/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,631 · 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).