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$16,203
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$512/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,267
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,026
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$491/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,049
−HK$614/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,631
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$589/mo
Today · 4.125%
HK$22,800
baseline
▲ 0.50% · 4.625%
HK$24,002
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,600/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$717/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$687/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$922/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,881
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,447
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$883/mo
Today · 4.125%
HK$34,200
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$1,802/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,400/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,176 · 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).