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$16,260
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$514/mo
Today · 4.125%
HK$17,280
baseline
▲ 0.50% · 4.625%
HK$18,331
+HK$1,051/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,560/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,089
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$492/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,512
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$616/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$591/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,764
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$719/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$689/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,268
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,178
−HK$925/mo
Today · 4.125%
HK$31,103
baseline
▲ 0.50% · 4.625%
HK$32,996
+HK$1,893/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,206/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,560
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,433
−HK$886/mo
Today · 4.125%
HK$34,319
baseline
▲ 0.50% · 4.625%
HK$36,128
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,638/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,922 · 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).