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$16,193
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,696
−HK$512/mo
Today · 4.125%
HK$17,208
baseline
▲ 0.50% · 4.625%
HK$18,255
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,416/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,014
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,497
−HK$490/mo
Today · 4.125%
HK$18,987
baseline
▲ 0.50% · 4.625%
HK$19,988
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,974/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$614/mo
Today · 4.125%
HK$20,650
baseline
▲ 0.50% · 4.625%
HK$21,906
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,300/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,197
−HK$588/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,670
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$716/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,557
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,896
−HK$686/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$921/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,295
−HK$882/mo
Today · 4.125%
HK$34,177
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,354/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,037 · 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).