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$16,180
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,683
−HK$511/mo
Today · 4.125%
HK$17,194
baseline
▲ 0.50% · 4.625%
HK$18,240
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,388/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,000
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,482
−HK$490/mo
Today · 4.125%
HK$18,972
baseline
▲ 0.50% · 4.625%
HK$19,972
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,944/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$614/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$587/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,356
−HK$716/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,875
−HK$686/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$27,961
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,029
−HK$920/mo
Today · 4.125%
HK$30,949
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,898/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,399
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$882/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$1,800/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,865 · 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).