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$16,182
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$511/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,243
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,002
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,485
−HK$490/mo
Today · 4.125%
HK$18,975
baseline
▲ 0.50% · 4.625%
HK$19,975
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,950/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,418
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,022
−HK$614/mo
Today · 4.125%
HK$20,636
baseline
▲ 0.50% · 4.625%
HK$21,891
+HK$1,255/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,272/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,602
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$587/mo
Today · 4.125%
HK$22,769
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,538/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$716/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,203
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$685/mo
Today · 4.125%
HK$26,564
baseline
▲ 0.50% · 4.625%
HK$27,965
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,128/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$921/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,883/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,404
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$881/mo
Today · 4.125%
HK$34,154
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,308/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,894 · 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).