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$16,134
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,636
−HK$510/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,292/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$489/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$612/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,827
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,539
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$586/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,587
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$714/mo
Today · 4.125%
HK$24,004
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,008/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,128
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,802
−HK$684/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$27,882
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,041
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,944
−HK$918/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,740
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,308
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,174
−HK$879/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$35,848
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,265 · 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).