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$16,135
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,636
−HK$510/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,190
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,292/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,950
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$488/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$612/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,539
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,117
−HK$586/mo
Today · 4.125%
HK$22,703
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,406/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,588
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,291
−HK$714/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,466
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,129
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,803
−HK$684/mo
Today · 4.125%
HK$26,487
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,974/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,042
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$917/mo
Today · 4.125%
HK$30,863
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,726/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,309
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,176
−HK$879/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$35,850
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,273 · 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).