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$16,127
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$510/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,276/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,941
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$488/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$19,907
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,352
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$611/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,817
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,529
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$586/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$714/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,117
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$684/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$27,869
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$917/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,877/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$879/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$1,794/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,168 · 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).