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$16,199
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$512/mo
Today · 4.125%
HK$17,215
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,430/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,505
−HK$490/mo
Today · 4.125%
HK$18,995
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,990/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,439
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$614/mo
Today · 4.125%
HK$20,658
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,316/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$588/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$23,996
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$716/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$686/mo
Today · 4.125%
HK$26,593
baseline
▲ 0.50% · 4.625%
HK$27,995
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,186/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,159
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$921/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,886/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,309
−HK$883/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,127 · 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).