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$16,258
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$514/mo
Today · 4.125%
HK$17,278
baseline
▲ 0.50% · 4.625%
HK$18,329
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,556/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,087
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$492/mo
Today · 4.125%
HK$19,064
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,128/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$617/mo
Today · 4.125%
HK$20,733
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,466/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,704
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$591/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,761
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$720/mo
Today · 4.125%
HK$24,189
baseline
▲ 0.50% · 4.625%
HK$25,660
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,378/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,322
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$689/mo
Today · 4.125%
HK$26,690
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,380/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,264
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,175
−HK$925/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,992
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,556
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$885/mo
Today · 4.125%
HK$34,315
baseline
▲ 0.50% · 4.625%
HK$36,124
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,630/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,898 · 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).