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$16,268
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$514/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,098
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$493/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$617/mo
Today · 4.125%
HK$20,746
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,492/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,717
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$591/mo
Today · 4.125%
HK$22,891
baseline
▲ 0.50% · 4.625%
HK$24,097
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,782/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$720/mo
Today · 4.125%
HK$24,203
baseline
▲ 0.50% · 4.625%
HK$25,676
+HK$1,473/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,406/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,337
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$689/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,114
+HK$1,408/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$925/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,894/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$214,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$886/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$1,810/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$214,028 · 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).