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$16,234
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$513/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,302
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,504/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,060
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$491/mo
Today · 4.125%
HK$19,036
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,072/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,481
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$616/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$589/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,047
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,728
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$718/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$688/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,221
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$924/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,943
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$885/mo
Today · 4.125%
HK$34,265
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,530/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,583 · 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).