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$16,236
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$513/mo
Today · 4.125%
HK$17,254
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,508/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,063
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$492/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,042
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,484
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$615/mo
Today · 4.125%
HK$20,705
baseline
▲ 0.50% · 4.625%
HK$21,965
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,410/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,257
−HK$589/mo
Today · 4.125%
HK$22,846
baseline
▲ 0.50% · 4.625%
HK$24,051
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,692/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,731
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$718/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,288
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$688/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,059
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,225
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,134
−HK$924/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,513
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$884/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,612 · 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).