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$16,211
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,715
−HK$512/mo
Today · 4.125%
HK$17,227
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$1,049/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,454/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,034
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,518
−HK$491/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,011
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,018/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,453
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$615/mo
Today · 4.125%
HK$20,673
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,346/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,222
−HK$589/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,695
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$717/mo
Today · 4.125%
HK$24,118
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,236/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,248
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,925
−HK$687/mo
Today · 4.125%
HK$26,612
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,224/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,087
−HK$922/mo
Today · 4.125%
HK$31,009
baseline
▲ 0.50% · 4.625%
HK$32,896
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,018/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,462
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$883/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,019
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,278 · 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).