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$16,149
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$510/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,324/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$488/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$19,935
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$612/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$587/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$715/mo
Today · 4.125%
HK$24,027
baseline
▲ 0.50% · 4.625%
HK$25,489
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,054/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,152
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$684/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$27,909
+HK$1,398/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,069
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,973
−HK$918/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,771
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,339
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$880/mo
Today · 4.125%
HK$34,086
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,172/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,466 · 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).