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$16,241
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,746
−HK$513/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,518/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$492/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$616/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,971
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$589/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$719/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$688/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,233
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$924/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$885/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,085
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,669 · 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).