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$16,245
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$513/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$1,051/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$213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$491/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,005/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$213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,494
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$616/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,261/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$213,722 · 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$24,063
+HK$1,205/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$213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,450
−HK$719/mo
Today · 4.125%
HK$24,169
baseline
▲ 0.50% · 4.625%
HK$25,639
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,338/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,301
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,979
−HK$689/mo
Today · 4.125%
HK$26,668
baseline
▲ 0.50% · 4.625%
HK$28,074
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,336/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,150
−HK$924/mo
Today · 4.125%
HK$31,074
baseline
▲ 0.50% · 4.625%
HK$32,965
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,148/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,530
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$885/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,095
+HK$1,808/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,722 · 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).