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$16,200
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$512/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$490/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$614/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$588/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,680
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$716/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$687/mo
Today · 4.125%
HK$26,595
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,190/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$922/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$883/mo
Today · 4.125%
HK$34,193
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,386/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,135 · 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).