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$16,221
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$512/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,287
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$491/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,023
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$615/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$589/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,710
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,416
−HK$718/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,602
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$687/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,198
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,106
−HK$923/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,483
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,354
−HK$884/mo
Today · 4.125%
HK$34,238
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,476/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,413 · 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).