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$16,174
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$511/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,234
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,376/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$490/mo
Today · 4.125%
HK$18,966
baseline
▲ 0.50% · 4.625%
HK$19,965
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,932/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$613/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$588/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$23,958
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,644
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,348
−HK$716/mo
Today · 4.125%
HK$24,064
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,128/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,191
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$686/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,019
−HK$920/mo
Today · 4.125%
HK$30,939
baseline
▲ 0.50% · 4.625%
HK$32,821
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,878/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,388
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$881/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$35,938
+HK$1,800/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,793 · 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).