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$16,196
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$512/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,018
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$490/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$19,992
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,982/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$614/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$589/mo
Today · 4.125%
HK$22,790
baseline
▲ 0.50% · 4.625%
HK$23,991
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,580/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,674
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,380
−HK$716/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$686/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$27,989
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,153
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$921/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$882/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$35,986
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,081 · 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).