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$16,116
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$509/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,168
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,929
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,409
−HK$488/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,339
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,940
−HK$612/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$586/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,562
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$713/mo
Today · 4.125%
HK$23,977
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,954/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$683/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$916/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,137
−HK$878/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,026 · 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).