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$16,164
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,667
−HK$510/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,223
+HK$1,046/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,982
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$490/mo
Today · 4.125%
HK$18,954
baseline
▲ 0.50% · 4.625%
HK$19,953
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,908/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$613/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,226/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,579
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$587/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$23,943
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,629
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$715/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,175
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$685/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,000
−HK$919/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,368
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$881/mo
Today · 4.125%
HK$34,117
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,234/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,659 · 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).