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$16,244
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$513/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$492/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$616/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,976
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,432/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,686
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,268
−HK$590/mo
Today · 4.125%
HK$22,858
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,716/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$719/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,639
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,300
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,979
−HK$688/mo
Today · 4.125%
HK$26,667
baseline
▲ 0.50% · 4.625%
HK$28,073
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$924/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$885/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$1,808/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,717 · 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).