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$16,247
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$513/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,317
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,532/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,560
−HK$491/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,497
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$616/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,980
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$591/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,746
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$718/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,643
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$689/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,245
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$924/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,970
+HK$1,891/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,407
−HK$885/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,100
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,755 · 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).