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$16,208
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$512/mo
Today · 4.125%
HK$17,225
baseline
▲ 0.50% · 4.625%
HK$18,273
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,450/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,032
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,515
−HK$491/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$615/mo
Today · 4.125%
HK$20,670
baseline
▲ 0.50% · 4.625%
HK$21,927
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,340/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$589/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,692
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,398
−HK$717/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,244
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$687/mo
Today · 4.125%
HK$26,608
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,216/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,175
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$922/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,891
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,457
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$884/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,244 · 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).