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$16,259
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,765
−HK$514/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$1,051/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$492/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,511
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,118
−HK$617/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,996
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$591/mo
Today · 4.125%
HK$22,879
baseline
▲ 0.50% · 4.625%
HK$24,085
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,758/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$720/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$689/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,099
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$925/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,893/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$886/mo
Today · 4.125%
HK$34,318
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,636/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,916 · 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).