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$16,217
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,722
−HK$512/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,283
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,468/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,042
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$490/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,019
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,461
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,066
−HK$615/mo
Today · 4.125%
HK$20,681
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,259/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,362/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$589/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,203/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$717/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$687/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,026
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,191
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,099
−HK$923/mo
Today · 4.125%
HK$31,022
baseline
▲ 0.50% · 4.625%
HK$32,909
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,044/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$884/mo
Today · 4.125%
HK$34,230
baseline
▲ 0.50% · 4.625%
HK$36,034
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,460/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,363 · 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).