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$16,150
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$510/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$489/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$613/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,849
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,561
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$586/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$714/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$684/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$919/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,773
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,208
−HK$880/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$35,885
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,481 · 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).