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$16,256
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$513/mo
Today · 4.125%
HK$17,275
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$1,052/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,550/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,570
−HK$492/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,066
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$617/mo
Today · 4.125%
HK$20,731
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,462/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,702
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,284
−HK$590/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,758
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,466
−HK$720/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$688/mo
Today · 4.125%
HK$26,686
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,372/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,261
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$925/mo
Today · 4.125%
HK$31,096
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,192/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$886/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,872 · 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).