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$16,132
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$509/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,946
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$488/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,832/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,358
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$612/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,824
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$586/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$714/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$683/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,037
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$918/mo
Today · 4.125%
HK$30,858
baseline
▲ 0.50% · 4.625%
HK$32,736
+HK$1,878/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,716/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,304
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,170
−HK$879/mo
Today · 4.125%
HK$34,049
baseline
▲ 0.50% · 4.625%
HK$35,844
+HK$1,795/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,098/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,237 · 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).