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$16,249
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$513/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,536/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,077
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,562
−HK$492/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$617/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$590/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,069
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,749
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$719/mo
Today · 4.125%
HK$24,175
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,350/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,308
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$689/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,248
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$924/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,892/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$885/mo
Today · 4.125%
HK$34,296
baseline
▲ 0.50% · 4.625%
HK$36,104
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,592/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,780 · 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).