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$16,210
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$513/mo
Today · 4.125%
HK$17,227
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$1,048/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$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,034
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$491/mo
Today · 4.125%
HK$19,008
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,016/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$615/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$589/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$717/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$687/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,014
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,178
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$922/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,461
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$883/mo
Today · 4.125%
HK$34,214
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,428/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,268 · 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).