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$16,159
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$511/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$489/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$612/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$587/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,199/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$715/mo
Today · 4.125%
HK$24,041
baseline
▲ 0.50% · 4.625%
HK$25,504
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,082/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$685/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$27,925
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,990
−HK$920/mo
Today · 4.125%
HK$30,910
baseline
▲ 0.50% · 4.625%
HK$32,790
+HK$1,880/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,820/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,225
−HK$881/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$1,797/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,591 · 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).