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$1,018/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$513/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$1,048/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,403 · 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$20,023
+HK$1,003/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$213,403 · 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$213,403 · 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$213,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$718/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,601
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$687/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,032
+HK$1,404/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$213,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,197
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$923/mo
Today · 4.125%
HK$31,028
baseline
▲ 0.50% · 4.625%
HK$32,916
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,056/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,403 · 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$36,041
+HK$1,805/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$213,403 · 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).