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$16,213
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,717
−HK$512/mo
Today · 4.125%
HK$17,229
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,458/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,036
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$491/mo
Today · 4.125%
HK$19,011
baseline
▲ 0.50% · 4.625%
HK$20,013
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,022/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$615/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$589/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,203/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$717/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$687/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,018
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$922/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$884/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,302 · 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).