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$16,111
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,612
−HK$509/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,163
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,242/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$488/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$611/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,508
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$585/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,556
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,257
−HK$713/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,428
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$683/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$27,843
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,000
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,902
−HK$917/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,875/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$878/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$211,965 · 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).