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$16,252
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,757
−HK$514/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$492/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$616/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,986
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$590/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$688/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$924/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,892/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$885/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,815 · 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).