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$16,122
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$509/mo
Today · 4.125%
HK$17,133
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,266/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,936
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$488/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$19,901
+HK$996/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$612/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,120/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$586/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$713/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,784
−HK$683/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$27,862
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$917/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,716
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,284
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$879/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$35,822
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,111 · 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).