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$16,157
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$511/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,214
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,974
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$489/mo
Today · 4.125%
HK$18,945
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,890/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,991
−HK$613/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,569
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$587/mo
Today · 4.125%
HK$22,734
baseline
▲ 0.50% · 4.625%
HK$23,932
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,468/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$715/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,462/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,838
−HK$685/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,082
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,881/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,221
−HK$880/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$35,899
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,563 · 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).