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$16,261
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$514/mo
Today · 4.125%
HK$17,280
baseline
▲ 0.50% · 4.625%
HK$18,332
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,560/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,575
−HK$492/mo
Today · 4.125%
HK$19,067
baseline
▲ 0.50% · 4.625%
HK$20,072
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,134/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$616/mo
Today · 4.125%
HK$20,736
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,472/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$590/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$719/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$689/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,269
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$925/mo
Today · 4.125%
HK$31,104
baseline
▲ 0.50% · 4.625%
HK$32,997
+HK$1,893/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,208/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,561
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$886/mo
Today · 4.125%
HK$34,321
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,642/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,931 · 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).