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$16,206
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$513/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$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,029
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$490/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,005
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,448
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$614/mo
Today · 4.125%
HK$20,667
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,334/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,635
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$589/mo
Today · 4.125%
HK$22,804
baseline
▲ 0.50% · 4.625%
HK$24,006
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,608/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,689
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,395
−HK$717/mo
Today · 4.125%
HK$24,112
baseline
▲ 0.50% · 4.625%
HK$25,579
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,224/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$687/mo
Today · 4.125%
HK$26,605
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,210/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,079
−HK$922/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,453
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$883/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,009
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,217 · 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).