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$16,125
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$510/mo
Today · 4.125%
HK$17,136
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,272/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,939
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$488/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$611/mo
Today · 4.125%
HK$20,563
baseline
▲ 0.50% · 4.625%
HK$21,814
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,126/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,526
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$585/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$713/mo
Today · 4.125%
HK$23,990
baseline
▲ 0.50% · 4.625%
HK$25,450
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,980/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,114
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$683/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$27,866
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$917/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$878/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$1,794/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,145 · 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).