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$16,141
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$510/mo
Today · 4.125%
HK$17,153
baseline
▲ 0.50% · 4.625%
HK$18,196
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,306/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,956
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,438
−HK$488/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$19,924
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,369
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$612/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,836
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,125
−HK$587/mo
Today · 4.125%
HK$22,712
baseline
▲ 0.50% · 4.625%
HK$23,909
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,424/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,597
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$714/mo
Today · 4.125%
HK$24,014
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,028/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,139
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,813
−HK$684/mo
Today · 4.125%
HK$26,497
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,994/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,957
−HK$918/mo
Today · 4.125%
HK$30,875
baseline
▲ 0.50% · 4.625%
HK$32,754
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,750/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,321
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,188
−HK$880/mo
Today · 4.125%
HK$34,068
baseline
▲ 0.50% · 4.625%
HK$35,863
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,136/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,353 · 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).