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$16,170
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,673
−HK$511/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,230
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$489/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,405
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,008
−HK$613/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,876
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$588/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,639
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$715/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,185
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$685/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$27,945
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,107
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,012
−HK$920/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$881/mo
Today · 4.125%
HK$34,130
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$1,800/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,260/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,746 · 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).