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$16,118
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,620
−HK$509/mo
Today · 4.125%
HK$17,129
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,258/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,931
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$488/mo
Today · 4.125%
HK$18,900
baseline
▲ 0.50% · 4.625%
HK$19,896
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,800/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,342
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$612/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$585/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$713/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,104
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$683/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$917/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$878/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,058 · 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).