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$16,175
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,679
−HK$511/mo
Today · 4.125%
HK$17,190
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,380/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,995
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$489/mo
Today · 4.125%
HK$18,967
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,934/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$614/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,256/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$588/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$716/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$685/mo
Today · 4.125%
HK$26,554
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,108/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,116
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$921/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$881/mo
Today · 4.125%
HK$34,141
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$1,800/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,282/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,812 · 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).