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$16,143
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$510/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$488/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$612/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,839
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$586/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$23,912
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$714/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,479
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,142
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,817
−HK$684/mo
Today · 4.125%
HK$26,501
baseline
▲ 0.50% · 4.625%
HK$27,898
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,002/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$919/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,326
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$879/mo
Today · 4.125%
HK$34,072
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,144/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,384 · 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).