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$16,269
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$514/mo
Today · 4.125%
HK$17,289
baseline
▲ 0.50% · 4.625%
HK$18,341
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,578/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,099
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$493/mo
Today · 4.125%
HK$19,077
baseline
▲ 0.50% · 4.625%
HK$20,082
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,154/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,522
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,130
−HK$617/mo
Today · 4.125%
HK$20,747
baseline
▲ 0.50% · 4.625%
HK$22,009
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,494/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$591/mo
Today · 4.125%
HK$22,892
baseline
▲ 0.50% · 4.625%
HK$24,099
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,784/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$719/mo
Today · 4.125%
HK$24,204
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,473/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,408/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,338
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$689/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,408/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,284
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$925/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,894/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$214,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$886/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$1,810/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$214,038 · 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).