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$16,245
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$513/mo
Today · 4.125%
HK$17,264
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,528/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$491/mo
Today · 4.125%
HK$19,049
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,098/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$616/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$590/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$719/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$688/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$925/mo
Today · 4.125%
HK$31,076
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,152/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$885/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,732 · 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).