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$16,131
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$510/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,185
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,945
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,426
−HK$489/mo
Today · 4.125%
HK$18,915
baseline
▲ 0.50% · 4.625%
HK$19,912
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,830/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$611/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$585/mo
Today · 4.125%
HK$22,697
baseline
▲ 0.50% · 4.625%
HK$23,894
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,394/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,583
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$714/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,459
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$683/mo
Today · 4.125%
HK$26,480
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,960/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,035
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$918/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,877/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,301
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$879/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$1,795/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,221 · 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).