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$16,229
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$513/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$491/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,475
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$615/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$589/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$719/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,469/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$688/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,212
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$923/mo
Today · 4.125%
HK$31,044
baseline
▲ 0.50% · 4.625%
HK$32,933
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,088/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,498
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,370
−HK$884/mo
Today · 4.125%
HK$34,254
baseline
▲ 0.50% · 4.625%
HK$36,060
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,508/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,517 · 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).