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$16,245
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$513/mo
Today · 4.125%
HK$17,264
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,528/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$492/mo
Today · 4.125%
HK$19,049
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,098/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,494
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$616/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$590/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$719/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,640
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,980
−HK$689/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,074
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,241
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$924/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,403
−HK$885/mo
Today · 4.125%
HK$34,288
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$1,808/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,576/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,730 · 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).