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$16,215
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$513/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$1,048/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,464/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$491/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$615/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,937
+HK$1,259/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,647
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$589/mo
Today · 4.125%
HK$22,817
baseline
▲ 0.50% · 4.625%
HK$24,019
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,634/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,407
−HK$718/mo
Today · 4.125%
HK$24,125
baseline
▲ 0.50% · 4.625%
HK$25,593
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,250/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,255
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$687/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$923/mo
Today · 4.125%
HK$31,018
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,036/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$884/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,333 · 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).