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$16,201
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$512/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,024
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$491/mo
Today · 4.125%
HK$18,998
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,996/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,046
−HK$615/mo
Today · 4.125%
HK$20,661
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,322/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,629
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,209
−HK$588/mo
Today · 4.125%
HK$22,797
baseline
▲ 0.50% · 4.625%
HK$23,999
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,594/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,682
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$716/mo
Today · 4.125%
HK$24,104
baseline
▲ 0.50% · 4.625%
HK$25,571
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,208/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,233
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,910
−HK$687/mo
Today · 4.125%
HK$26,597
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,194/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,163
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$921/mo
Today · 4.125%
HK$30,991
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,886/mo
Deposit HK$711K · loan HK$6.39M · min. income ≈ HK$61,982/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,443
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,313
−HK$883/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$35,998
+HK$1,802/mo
Deposit HK$711K · loan HK$6.39M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,153 · 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).