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$16,186
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$511/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$490/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,423
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$613/mo
Today · 4.125%
HK$20,641
baseline
▲ 0.50% · 4.625%
HK$21,897
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,282/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,608
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$588/mo
Today · 4.125%
HK$22,776
baseline
▲ 0.50% · 4.625%
HK$23,976
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,552/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,661
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$717/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,547
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,210
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$686/mo
Today · 4.125%
HK$26,572
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,144/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$921/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,412
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$882/mo
Today · 4.125%
HK$34,164
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$1,800/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,328/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,952 · 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).