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$16,160
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$511/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,348/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,460
−HK$489/mo
Today · 4.125%
HK$18,949
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,898/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,392
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$612/mo
Today · 4.125%
HK$20,608
baseline
▲ 0.50% · 4.625%
HK$21,862
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,216/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,574
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,152
−HK$587/mo
Today · 4.125%
HK$22,739
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,199/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,478/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,328
−HK$715/mo
Today · 4.125%
HK$24,043
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,086/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$684/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,089
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$920/mo
Today · 4.125%
HK$30,913
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,826/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,361
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,229
−HK$880/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,612 · 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).