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$16,163
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$511/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$490/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,999
−HK$613/mo
Today · 4.125%
HK$20,612
baseline
▲ 0.50% · 4.625%
HK$21,866
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,224/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,577
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$587/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$715/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,174
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$685/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$27,932
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,998
−HK$920/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,799
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,366
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,234
−HK$881/mo
Today · 4.125%
HK$34,115
baseline
▲ 0.50% · 4.625%
HK$35,913
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,230/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,648 · 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).