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$16,259
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$514/mo
Today · 4.125%
HK$17,278
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,556/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,573
−HK$492/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$617/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,996
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$591/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,762
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,470
−HK$720/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,661
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,002
−HK$689/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,098
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$925/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$886/mo
Today · 4.125%
HK$34,317
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,634/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,907 · 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).