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$16,219
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$512/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,528
−HK$491/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,463
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$615/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,258/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,233
−HK$589/mo
Today · 4.125%
HK$22,822
baseline
▲ 0.50% · 4.625%
HK$24,025
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,644/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,707
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$718/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$687/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,195
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$923/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,913
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,479
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,350
−HK$884/mo
Today · 4.125%
HK$34,234
baseline
▲ 0.50% · 4.625%
HK$36,038
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,468/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,389 · 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).