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$16,121
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$510/mo
Today · 4.125%
HK$17,132
baseline
▲ 0.50% · 4.625%
HK$18,174
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,264/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,934
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$488/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$997/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$611/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,521
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,098
−HK$586/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$23,880
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$714/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$684/mo
Today · 4.125%
HK$26,465
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,930/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$878/mo
Today · 4.125%
HK$34,026
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,052/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,093 · 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).