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$16,137
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$510/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,192
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,952
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$488/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$611/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,831
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$586/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$23,903
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,592
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,294
−HK$714/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,807
−HK$684/mo
Today · 4.125%
HK$26,491
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,396/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,982/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$918/mo
Today · 4.125%
HK$30,868
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,736/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$879/mo
Today · 4.125%
HK$34,059
baseline
▲ 0.50% · 4.625%
HK$35,855
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,118/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,303 · 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).