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$16,155
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,658
−HK$510/mo
Today · 4.125%
HK$17,168
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,336/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,973
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$489/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$19,942
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$613/mo
Today · 4.125%
HK$20,602
baseline
▲ 0.50% · 4.625%
HK$21,856
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,204/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$586/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$23,931
+HK$1,199/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$715/mo
Today · 4.125%
HK$24,036
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,462/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,072/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,162
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$685/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,080
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,984
−HK$919/mo
Today · 4.125%
HK$30,903
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,880/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$61,806/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,351
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,218
−HK$880/mo
Today · 4.125%
HK$34,098
baseline
▲ 0.50% · 4.625%
HK$35,896
+HK$1,798/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$68,196/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,546 · 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).