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$16,177
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$511/mo
Today · 4.125%
HK$17,191
baseline
▲ 0.50% · 4.625%
HK$18,237
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,382/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,996
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,479
−HK$490/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$19,968
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,412
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$613/mo
Today · 4.125%
HK$20,629
baseline
▲ 0.50% · 4.625%
HK$21,884
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,258/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$587/mo
Today · 4.125%
HK$22,762
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,524/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$715/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$686/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,118
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$921/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,827
+HK$1,883/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,262
−HK$881/mo
Today · 4.125%
HK$34,143
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$1,800/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,286/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,826 · 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).