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$16,161
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$510/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,348/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,979
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$489/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$19,949
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,900/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$613/mo
Today · 4.125%
HK$20,609
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,218/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$587/mo
Today · 4.125%
HK$22,740
baseline
▲ 0.50% · 4.625%
HK$23,939
+HK$1,199/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,480/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$715/mo
Today · 4.125%
HK$24,044
baseline
▲ 0.50% · 4.625%
HK$25,507
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,088/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,846
−HK$684/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$27,929
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$919/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,795
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,362
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,230
−HK$880/mo
Today · 4.125%
HK$34,110
baseline
▲ 0.50% · 4.625%
HK$35,908
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,220/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,621 · 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).