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$16,228
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$513/mo
Today · 4.125%
HK$17,245
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,490/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,537
−HK$491/mo
Today · 4.125%
HK$19,028
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,056/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$615/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$589/mo
Today · 4.125%
HK$22,834
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,668/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$718/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,274
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$688/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,044
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,210
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$923/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,889/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$884/mo
Today · 4.125%
HK$34,251
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$1,806/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$68,502/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,498 · 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).