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$16,194
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,698
−HK$512/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,257
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,016
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,499
−HK$490/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,433
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$614/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$588/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,672
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$717/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,222
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$686/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,150
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$922/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,298
−HK$883/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,059 · 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).