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$16,220
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$512/mo
Today · 4.125%
HK$17,237
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,474/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$491/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,070
−HK$615/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,654
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$589/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,027
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,708
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$717/mo
Today · 4.125%
HK$24,132
baseline
▲ 0.50% · 4.625%
HK$25,601
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,264/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,940
−HK$688/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,196
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$922/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,352
−HK$884/mo
Today · 4.125%
HK$34,236
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,472/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,401 · 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).