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$16,207
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,711
−HK$512/mo
Today · 4.125%
HK$17,223
baseline
▲ 0.50% · 4.625%
HK$18,271
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,446/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,030
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,514
−HK$490/mo
Today · 4.125%
HK$19,004
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,008/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,448
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$615/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,926
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$589/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$717/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$687/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,008
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,173
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$922/mo
Today · 4.125%
HK$31,002
baseline
▲ 0.50% · 4.625%
HK$32,888
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,004/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,454
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,325
−HK$883/mo
Today · 4.125%
HK$34,208
baseline
▲ 0.50% · 4.625%
HK$36,011
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,416/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,227 · 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).