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$16,236
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$513/mo
Today · 4.125%
HK$17,254
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,508/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,062
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$492/mo
Today · 4.125%
HK$19,038
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,076/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,483
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,089
−HK$616/mo
Today · 4.125%
HK$20,705
baseline
▲ 0.50% · 4.625%
HK$21,964
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,410/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,256
−HK$590/mo
Today · 4.125%
HK$22,846
baseline
▲ 0.50% · 4.625%
HK$24,050
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,692/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,730
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$718/mo
Today · 4.125%
HK$24,155
baseline
▲ 0.50% · 4.625%
HK$25,625
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,310/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,287
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,965
−HK$688/mo
Today · 4.125%
HK$26,653
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,306/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,224
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$924/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,947
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$884/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,075
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,604 · 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).