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$16,173
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$512/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$1,045/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,376/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$490/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,930/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$613/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$588/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,643
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$716/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,190
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$686/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$920/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,387
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$881/mo
Today · 4.125%
HK$34,137
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,274/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,784 · 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).