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$16,230
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$513/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$491/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$616/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$590/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,041
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$718/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$688/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,213
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,122
−HK$923/mo
Today · 4.125%
HK$31,045
baseline
▲ 0.50% · 4.625%
HK$32,934
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,090/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,499
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,371
−HK$884/mo
Today · 4.125%
HK$34,255
baseline
▲ 0.50% · 4.625%
HK$36,061
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,510/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,524 · 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).