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$16,118
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$509/mo
Today · 4.125%
HK$17,128
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$1,043/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,256/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,931
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$487/mo
Today · 4.125%
HK$18,899
baseline
▲ 0.50% · 4.625%
HK$19,896
+HK$997/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,798/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,341
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$611/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,517
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$585/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$23,875
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$713/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,439
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$683/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$917/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,275
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$878/mo
Today · 4.125%
HK$34,019
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,038/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,050 · 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).