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$16,248
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$514/mo
Today · 4.125%
HK$17,267
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,534/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,076
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$491/mo
Today · 4.125%
HK$19,052
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,104/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,498
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$616/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$590/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,747
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$719/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,645
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$688/mo
Today · 4.125%
HK$26,673
baseline
▲ 0.50% · 4.625%
HK$28,079
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,346/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,246
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$924/mo
Today · 4.125%
HK$31,080
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,892/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,160/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,536
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$885/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,102
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,766 · 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).