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$16,112
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,614
−HK$509/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,925
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$487/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,335
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$611/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,510
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$585/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,557
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,259
−HK$713/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,095
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,768
−HK$683/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$27,845
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,905
−HK$916/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,697
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,265
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$878/mo
Today · 4.125%
HK$34,008
baseline
▲ 0.50% · 4.625%
HK$35,801
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,016/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,983 · 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).