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$16,178
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$511/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,384/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,997
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$490/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,413
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$614/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,597
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,176
−HK$588/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$23,964
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$716/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,196
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$686/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$920/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,883/mo
Deposit HK$709K · loan HK$6.39M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$882/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$35,946
+HK$1,800/mo
Deposit HK$709K · loan HK$6.39M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,841 · 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).