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$1,013/mo
▼ 0.25% · 3.875%
HK$16,662
−HK$511/mo
Today · 4.125%
HK$17,173
baseline
▲ 0.50% · 4.625%
HK$18,218
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,346/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,605 · 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$212,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,392
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$613/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$212,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,573
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,152
−HK$587/mo
Today · 4.125%
HK$22,739
baseline
▲ 0.50% · 4.625%
HK$23,937
+HK$1,198/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$212,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$715/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,505
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$684/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,992
−HK$920/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$880/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,605 · 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).