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$16,156
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$510/mo
Today · 4.125%
HK$17,169
baseline
▲ 0.50% · 4.625%
HK$18,214
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,338/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,974
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$489/mo
Today · 4.125%
HK$18,945
baseline
▲ 0.50% · 4.625%
HK$19,943
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,890/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,991
−HK$612/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,568
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$587/mo
Today · 4.125%
HK$22,734
baseline
▲ 0.50% · 4.625%
HK$23,932
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,468/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,322
−HK$715/mo
Today · 4.125%
HK$24,037
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,074/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,838
−HK$685/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,785
+HK$1,880/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,220
−HK$881/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$1,797/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,559 · 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).