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$16,144
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$511/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,960
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$489/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,373
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$612/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$587/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$714/mo
Today · 4.125%
HK$24,019
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,038/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,819
−HK$684/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$27,900
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$918/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$879/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$35,871
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,402 · 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).