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$16,229
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$512/mo
Today · 4.125%
HK$17,246
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,492/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,054
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$492/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$616/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,665
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$590/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$718/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,469/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$688/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,212
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$924/mo
Today · 4.125%
HK$31,044
baseline
▲ 0.50% · 4.625%
HK$32,932
+HK$1,888/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,088/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,498
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$884/mo
Today · 4.125%
HK$34,253
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,506/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,512 · 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).