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$16,124
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$509/mo
Today · 4.125%
HK$17,135
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,270/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$488/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,814/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,349
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,951
−HK$611/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,525
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,103
−HK$585/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$713/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$683/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$917/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,877/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$879/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,135 · 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).