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$16,250
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$514/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,078
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$491/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,059
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$617/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$590/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$719/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$688/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,250
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$924/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,975
+HK$1,891/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$885/mo
Today · 4.125%
HK$34,298
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,596/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,790 · 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).