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$16,227
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$513/mo
Today · 4.125%
HK$17,245
baseline
▲ 0.50% · 4.625%
HK$18,294
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,490/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,052
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,537
−HK$491/mo
Today · 4.125%
HK$19,028
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,056/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$616/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,663
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,244
−HK$589/mo
Today · 4.125%
HK$22,833
baseline
▲ 0.50% · 4.625%
HK$24,037
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,666/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$718/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$688/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$923/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,889/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$884/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$1,805/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,491 · 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).