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$16,243
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$514/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,312
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,070
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,555
−HK$492/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$616/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,266
−HK$590/mo
Today · 4.125%
HK$22,856
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,712/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,448
−HK$719/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,637
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$688/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,071
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$924/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,962
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,527
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$885/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,091
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,703 · 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).