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$16,261
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,767
−HK$514/mo
Today · 4.125%
HK$17,281
baseline
▲ 0.50% · 4.625%
HK$18,332
+HK$1,051/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,562/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,575
−HK$493/mo
Today · 4.125%
HK$19,068
baseline
▲ 0.50% · 4.625%
HK$20,073
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,136/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$617/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,999
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$590/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,766
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$719/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$689/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,270
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$925/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,998
+HK$1,893/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,563
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$886/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,938 · 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).