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$16,181
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$511/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$489/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,417
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,021
−HK$613/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,890
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$588/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,653
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,358
−HK$716/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$686/mo
Today · 4.125%
HK$26,563
baseline
▲ 0.50% · 4.625%
HK$27,963
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,126/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$921/mo
Today · 4.125%
HK$30,952
baseline
▲ 0.50% · 4.625%
HK$32,835
+HK$1,883/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,904/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,402
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$881/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$35,952
+HK$1,800/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,881 · 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).