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$16,252
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$513/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$492/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$616/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$591/mo
Today · 4.125%
HK$22,869
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,738/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$719/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$689/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,254
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,164
−HK$924/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,892/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,545
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$886/mo
Today · 4.125%
HK$34,303
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,606/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,820 · 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).