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$16,271
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$514/mo
Today · 4.125%
HK$17,291
baseline
▲ 0.50% · 4.625%
HK$18,343
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,582/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,101
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,586
−HK$493/mo
Today · 4.125%
HK$19,079
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,158/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,525
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$617/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,263/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,498/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,721
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$591/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,487
−HK$720/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,473/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,341
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$689/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,408/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$926/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,893/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,455
−HK$887/mo
Today · 4.125%
HK$34,342
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$1,810/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,684/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,064 · 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).