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$16,126
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$509/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,421
−HK$489/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$996/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$612/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$585/mo
Today · 4.125%
HK$22,691
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,382/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$713/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$683/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$27,869
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,930
−HK$917/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$878/mo
Today · 4.125%
HK$34,037
baseline
▲ 0.50% · 4.625%
HK$35,831
+HK$1,794/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,074/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,164 · 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).