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$16,265
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$514/mo
Today · 4.125%
HK$17,285
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,570/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,095
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$493/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$617/mo
Today · 4.125%
HK$20,742
baseline
▲ 0.50% · 4.625%
HK$22,004
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,484/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,714
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$591/mo
Today · 4.125%
HK$22,887
baseline
▲ 0.50% · 4.625%
HK$24,093
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,774/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$719/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,473/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$690/mo
Today · 4.125%
HK$26,702
baseline
▲ 0.50% · 4.625%
HK$28,109
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,404/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,277
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$925/mo
Today · 4.125%
HK$31,113
baseline
▲ 0.50% · 4.625%
HK$33,007
+HK$1,894/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,226/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,571
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$887/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,140
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,993 · 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).