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$16,157
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,660
−HK$510/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,215
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$489/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,991
−HK$613/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,569
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$587/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$715/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$685/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,987
−HK$919/mo
Today · 4.125%
HK$30,906
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,812/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,354
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$880/mo
Today · 4.125%
HK$34,102
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,204/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,569 · 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).