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$16,145
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$510/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$489/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,374
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$612/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$586/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$715/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,819
−HK$684/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,398/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$919/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$880/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,405 · 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).