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$16,194
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$512/mo
Today · 4.125%
HK$17,209
baseline
▲ 0.50% · 4.625%
HK$18,256
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,418/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,015
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$490/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,037
−HK$614/mo
Today · 4.125%
HK$20,651
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,302/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$588/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,671
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,376
−HK$717/mo
Today · 4.125%
HK$24,093
baseline
▲ 0.50% · 4.625%
HK$25,559
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,186/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,221
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,898
−HK$686/mo
Today · 4.125%
HK$26,584
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,168/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$921/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$882/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,049 · 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).