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$16,185
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$512/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,246
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$490/mo
Today · 4.125%
HK$18,978
baseline
▲ 0.50% · 4.625%
HK$19,978
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,956/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$613/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,895
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$588/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$23,974
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,658
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,363
−HK$716/mo
Today · 4.125%
HK$24,079
baseline
▲ 0.50% · 4.625%
HK$25,545
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,158/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,207
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,883
−HK$686/mo
Today · 4.125%
HK$26,569
baseline
▲ 0.50% · 4.625%
HK$27,970
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,138/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$920/mo
Today · 4.125%
HK$30,959
baseline
▲ 0.50% · 4.625%
HK$32,843
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,918/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$881/mo
Today · 4.125%
HK$34,160
baseline
▲ 0.50% · 4.625%
HK$35,961
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,320/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,932 · 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).