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$1,011/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$510/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,929
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$488/mo
Today · 4.125%
HK$18,898
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,796/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,339
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$611/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,803
+HK$1,251/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$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,515
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,092
−HK$585/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,196/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$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,563
−HK$1,414/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$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,774
−HK$683/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$917/mo
Today · 4.125%
HK$30,828
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,656/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,272
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$878/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,031 · 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).