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$16,128
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$510/mo
Today · 4.125%
HK$17,139
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,278/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$488/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$612/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$585/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$23,889
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,579
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,281
−HK$713/mo
Today · 4.125%
HK$23,994
baseline
▲ 0.50% · 4.625%
HK$25,454
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,988/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$684/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$27,871
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$917/mo
Today · 4.125%
HK$30,850
baseline
▲ 0.50% · 4.625%
HK$32,727
+HK$1,877/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,700/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,295
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$879/mo
Today · 4.125%
HK$34,040
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$1,794/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,080/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,181 · 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).