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$16,209
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$513/mo
Today · 4.125%
HK$17,226
baseline
▲ 0.50% · 4.625%
HK$18,274
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,452/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,033
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,516
−HK$491/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,009
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,451
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$615/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$589/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,010
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,693
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$717/mo
Today · 4.125%
HK$24,116
baseline
▲ 0.50% · 4.625%
HK$25,583
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,232/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,246
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,923
−HK$687/mo
Today · 4.125%
HK$26,610
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,220/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,084
−HK$922/mo
Today · 4.125%
HK$31,006
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,012/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,459
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,329
−HK$883/mo
Today · 4.125%
HK$34,212
baseline
▲ 0.50% · 4.625%
HK$36,016
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,424/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,256 · 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).