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$16,142
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$510/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,958
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$488/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$612/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,549
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$587/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$23,911
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,599
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$714/mo
Today · 4.125%
HK$24,016
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,032/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,141
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,815
−HK$684/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$27,896
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,960
−HK$918/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$880/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$35,867
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,373 · 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).