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$16,216
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$512/mo
Today · 4.125%
HK$17,233
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,466/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,040
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$491/mo
Today · 4.125%
HK$19,015
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,030/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,065
−HK$615/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$589/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,021
+HK$1,203/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,703
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$717/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$687/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,189
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,097
−HK$923/mo
Today · 4.125%
HK$31,020
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,040/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$884/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,347 · 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).