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$16,189
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$512/mo
Today · 4.125%
HK$17,204
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,408/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,010
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$490/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$614/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$588/mo
Today · 4.125%
HK$22,779
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,558/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$716/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,551
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$686/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$921/mo
Today · 4.125%
HK$30,967
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,934/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,287
−HK$882/mo
Today · 4.125%
HK$34,169
baseline
▲ 0.50% · 4.625%
HK$35,970
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,338/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,985 · 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).