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$1,015/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$511/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,000
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,483
−HK$490/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$614/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$588/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,652
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$716/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$686/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$27,962
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$920/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,834
+HK$1,883/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,270
−HK$881/mo
Today · 4.125%
HK$34,151
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$1,800/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,302/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,875 · 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).