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$16,175
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$511/mo
Today · 4.125%
HK$17,189
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,378/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,995
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$490/mo
Today · 4.125%
HK$18,967
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,934/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,410
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$613/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,882
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$587/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$716/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$686/mo
Today · 4.125%
HK$26,554
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,108/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$920/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,883/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$881/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$1,800/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,807 · 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).