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$16,169
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$511/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,988
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$489/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,403
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$613/mo
Today · 4.125%
HK$20,620
baseline
▲ 0.50% · 4.625%
HK$21,875
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,240/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$587/mo
Today · 4.125%
HK$22,752
baseline
▲ 0.50% · 4.625%
HK$23,951
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,504/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$716/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$685/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,105
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$920/mo
Today · 4.125%
HK$30,930
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,860/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$881/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$35,927
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,732 · 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).