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$16,117
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,618
−HK$509/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$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$968/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$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$611/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,803
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$585/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,563
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,265
−HK$713/mo
Today · 4.125%
HK$23,978
baseline
▲ 0.50% · 4.625%
HK$25,437
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,956/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,775
−HK$683/mo
Today · 4.125%
HK$26,458
baseline
▲ 0.50% · 4.625%
HK$27,852
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,916/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,912
−HK$917/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,705
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,273
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,139
−HK$878/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,038 · 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).