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$16,188
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,691
−HK$512/mo
Today · 4.125%
HK$17,203
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,406/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,009
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$490/mo
Today · 4.125%
HK$18,982
baseline
▲ 0.50% · 4.625%
HK$19,982
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,964/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$614/mo
Today · 4.125%
HK$20,643
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,286/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,610
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$588/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,368
−HK$716/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,549
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$686/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$27,975
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$921/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$882/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$35,968
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,971 · 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).