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$16,235
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$513/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,506/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$492/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$615/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,673
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$590/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,729
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,436
−HK$718/mo
Today · 4.125%
HK$24,154
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,308/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,285
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$688/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,056
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$923/mo
Today · 4.125%
HK$31,055
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,110/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$884/mo
Today · 4.125%
HK$34,266
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,532/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,592 · 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).