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$16,183
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$512/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,004
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$490/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,420
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$613/mo
Today · 4.125%
HK$20,637
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,274/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$587/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,656
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$716/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$686/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$920/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$882/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,912 · 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).