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$16,240
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$513/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,308
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$492/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$616/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$590/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,736
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$719/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,293
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$688/mo
Today · 4.125%
HK$26,660
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,320/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,232
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$924/mo
Today · 4.125%
HK$31,065
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,130/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,520
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$885/mo
Today · 4.125%
HK$34,277
baseline
▲ 0.50% · 4.625%
HK$36,084
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,554/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,659 · 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).