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$16,133
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$510/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,188
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$488/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$612/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,826
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$585/mo
Today · 4.125%
HK$22,701
baseline
▲ 0.50% · 4.625%
HK$23,898
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,402/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,587
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,289
−HK$714/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,128
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$684/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$918/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,739
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,307
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$879/mo
Today · 4.125%
HK$34,052
baseline
▲ 0.50% · 4.625%
HK$35,847
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,104/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,258 · 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).