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$16,198
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,702
−HK$512/mo
Today · 4.125%
HK$17,214
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,428/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,504
−HK$490/mo
Today · 4.125%
HK$18,994
baseline
▲ 0.50% · 4.625%
HK$19,995
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,988/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$614/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,914
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$589/mo
Today · 4.125%
HK$22,793
baseline
▲ 0.50% · 4.625%
HK$23,994
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,586/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$717/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,566
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$687/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$27,993
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$921/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,886/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,437
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$882/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$35,991
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,112 · 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).