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$16,167
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,670
−HK$511/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,226
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,985
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,468
−HK$489/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$19,956
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,914/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$613/mo
Today · 4.125%
HK$20,617
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,234/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$587/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$23,948
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,633
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,337
−HK$716/mo
Today · 4.125%
HK$24,053
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,106/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,179
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,855
−HK$685/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$27,939
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$920/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$881/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,697 · 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).