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$16,176
−HK$1,014/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$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,996
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$490/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$19,968
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,015
−HK$613/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,884
+HK$1,256/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$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$587/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,200/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$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$715/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,465/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$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$686/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$920/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,883/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$212,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$881/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$1,800/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,817 · 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).