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$16,152
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,655
−HK$510/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,210
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,330/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$489/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$19,939
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,383
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,986
−HK$612/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,852
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,142
−HK$586/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,613
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,317
−HK$714/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,157
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$684/mo
Today · 4.125%
HK$26,516
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,032/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$919/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,880/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,345
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,212
−HK$880/mo
Today · 4.125%
HK$34,092
baseline
▲ 0.50% · 4.625%
HK$35,890
+HK$1,798/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$68,184/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,509 · 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).