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$16,202
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,706
−HK$512/mo
Today · 4.125%
HK$17,218
baseline
▲ 0.50% · 4.625%
HK$18,266
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,436/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,025
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,508
−HK$491/mo
Today · 4.125%
HK$18,999
baseline
▲ 0.50% · 4.625%
HK$20,000
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,998/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,443
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,047
−HK$615/mo
Today · 4.125%
HK$20,662
baseline
▲ 0.50% · 4.625%
HK$21,919
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,324/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,630
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,210
−HK$588/mo
Today · 4.125%
HK$22,798
baseline
▲ 0.50% · 4.625%
HK$24,000
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,596/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,683
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,389
−HK$717/mo
Today · 4.125%
HK$24,106
baseline
▲ 0.50% · 4.625%
HK$25,572
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,212/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,235
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$686/mo
Today · 4.125%
HK$26,598
baseline
▲ 0.50% · 4.625%
HK$28,000
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,196/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$922/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,886/mo
Deposit HK$711K · loan HK$6.39M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$883/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$1,802/mo
Deposit HK$711K · loan HK$6.39M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,164 · 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).