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$16,197
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$512/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$490/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$614/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,913
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$589/mo
Today · 4.125%
HK$22,792
baseline
▲ 0.50% · 4.625%
HK$23,993
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,584/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,676
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$716/mo
Today · 4.125%
HK$24,098
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,196/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,904
−HK$686/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,180/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$922/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$882/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$35,990
+HK$1,803/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,101 · 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).