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$16,109
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,610
−HK$509/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,161
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,238/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,921
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$488/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,778/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,932
−HK$611/mo
Today · 4.125%
HK$20,543
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,086/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,505
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$585/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$23,862
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$712/mo
Today · 4.125%
HK$23,966
baseline
▲ 0.50% · 4.625%
HK$25,425
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,932/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$683/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,898
−HK$916/mo
Today · 4.125%
HK$30,814
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,628/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$877/mo
Today · 4.125%
HK$34,000
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$68,000/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,933 · 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).