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$16,269
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$515/mo
Today · 4.125%
HK$17,290
baseline
▲ 0.50% · 4.625%
HK$18,342
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,580/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,100
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$492/mo
Today · 4.125%
HK$19,077
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,154/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,523
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$617/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$22,010
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,302
−HK$591/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,777
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,486
−HK$719/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,678
+HK$1,473/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,339
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$689/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,408/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,416/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$925/mo
Today · 4.125%
HK$31,121
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,894/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,242/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$886/mo
Today · 4.125%
HK$34,339
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$1,810/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,678/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,048 · 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).