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$16,218
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$512/mo
Today · 4.125%
HK$17,235
baseline
▲ 0.50% · 4.625%
HK$18,284
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,470/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,043
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$491/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$615/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,258/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$589/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$718/mo
Today · 4.125%
HK$24,130
baseline
▲ 0.50% · 4.625%
HK$25,598
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,260/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,260
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$688/mo
Today · 4.125%
HK$26,625
baseline
▲ 0.50% · 4.625%
HK$28,028
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,250/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,193
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,101
−HK$923/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,912
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,477
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,348
−HK$884/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,036
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,377 · 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).