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$16,201
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$512/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$490/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$19,998
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,441
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,046
−HK$614/mo
Today · 4.125%
HK$20,660
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,320/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,628
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,208
−HK$588/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,681
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$716/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$687/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$27,998
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,161
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,068
−HK$922/mo
Today · 4.125%
HK$30,990
baseline
▲ 0.50% · 4.625%
HK$32,876
+HK$1,886/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,980/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,312
−HK$882/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$35,997
+HK$1,803/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,145 · 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).