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$16,264
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,770
−HK$514/mo
Today · 4.125%
HK$17,284
baseline
▲ 0.50% · 4.625%
HK$18,336
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,568/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,093
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,579
−HK$492/mo
Today · 4.125%
HK$19,071
baseline
▲ 0.50% · 4.625%
HK$20,076
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,142/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,517
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$617/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$591/mo
Today · 4.125%
HK$22,885
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,770/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,770
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$719/mo
Today · 4.125%
HK$24,197
baseline
▲ 0.50% · 4.625%
HK$25,670
+HK$1,473/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,394/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$689/mo
Today · 4.125%
HK$26,699
baseline
▲ 0.50% · 4.625%
HK$28,107
+HK$1,408/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,398/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,275
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$925/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,893/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,222/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,442
−HK$886/mo
Today · 4.125%
HK$34,328
baseline
▲ 0.50% · 4.625%
HK$36,137
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,656/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,976 · 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).