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$16,237
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$513/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,305
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,548
−HK$492/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,043
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,485
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,091
−HK$616/mo
Today · 4.125%
HK$20,707
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,414/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$590/mo
Today · 4.125%
HK$22,848
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,696/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$719/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$689/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,227
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$924/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,950
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,515
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$884/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,624 · 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).