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$16,187
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$512/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,404/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$490/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,424
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$614/mo
Today · 4.125%
HK$20,642
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,284/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,609
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$588/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$23,977
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,661
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$717/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,211
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,887
−HK$686/mo
Today · 4.125%
HK$26,573
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,146/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,136
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$921/mo
Today · 4.125%
HK$30,963
baseline
▲ 0.50% · 4.625%
HK$32,847
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,926/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,283
−HK$882/mo
Today · 4.125%
HK$34,165
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,330/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,960 · 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).