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$16,145
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$510/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,443
−HK$489/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$19,930
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,374
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$612/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$586/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,603
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$714/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,482
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$684/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$918/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$880/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,412 · 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).