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$16,254
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$513/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$492/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,111
−HK$617/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$590/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,463
−HK$720/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$689/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$925/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$886/mo
Today · 4.125%
HK$34,307
baseline
▲ 0.50% · 4.625%
HK$36,115
+HK$1,808/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,614/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,844 · 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).