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$16,205
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$512/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,444/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$490/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,002/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$615/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,634
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$589/mo
Today · 4.125%
HK$22,803
baseline
▲ 0.50% · 4.625%
HK$24,005
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,606/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$717/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,240
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$686/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,170
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$922/mo
Today · 4.125%
HK$30,999
baseline
▲ 0.50% · 4.625%
HK$32,885
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$61,998/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,451
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,321
−HK$883/mo
Today · 4.125%
HK$34,204
baseline
▲ 0.50% · 4.625%
HK$36,007
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,408/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,206 · 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).