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$16,190
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,694
−HK$511/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,252
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,410/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,011
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,494
−HK$490/mo
Today · 4.125%
HK$18,984
baseline
▲ 0.50% · 4.625%
HK$19,985
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,968/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,428
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$614/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,903
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,614
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,193
−HK$588/mo
Today · 4.125%
HK$22,781
baseline
▲ 0.50% · 4.625%
HK$23,982
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,562/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,371
−HK$717/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,553
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,216
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$686/mo
Today · 4.125%
HK$26,578
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,156/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$921/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$882/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,005 · 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).