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$16,244
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$514/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,071
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$491/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$616/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$590/mo
Today · 4.125%
HK$22,857
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,714/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$719/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,638
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,300
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$688/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$925/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$885/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$1,808/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,712 · 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).