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$16,158
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$510/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$489/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$613/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$587/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,199/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$715/mo
Today · 4.125%
HK$24,040
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,080/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,841
−HK$685/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$27,924
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$920/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,880/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$881/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$1,797/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,584 · 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).