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$16,147
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$511/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,964
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$489/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$613/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$587/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$715/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$685/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$918/mo
Today · 4.125%
HK$30,887
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,774/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,334
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$879/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,439 · 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).