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$16,266
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$514/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,338
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,096
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$493/mo
Today · 4.125%
HK$19,074
baseline
▲ 0.50% · 4.625%
HK$20,079
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,148/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,520
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,127
−HK$617/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$22,006
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,715
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$590/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,095
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,773
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,481
−HK$720/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$689/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,111
+HK$1,408/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$925/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,894/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$214,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$887/mo
Today · 4.125%
HK$34,333
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,666/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$214,006 · 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).