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$1,014/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$511/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,374/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$489/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,407
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$613/mo
Today · 4.125%
HK$20,624
baseline
▲ 0.50% · 4.625%
HK$21,879
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,248/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$587/mo
Today · 4.125%
HK$22,757
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,514/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,642
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,346
−HK$716/mo
Today · 4.125%
HK$24,062
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,124/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$685/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$27,949
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$920/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$882/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,777 · 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).