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$16,225
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,730
−HK$513/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,292
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,486/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$491/mo
Today · 4.125%
HK$19,026
baseline
▲ 0.50% · 4.625%
HK$20,029
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,052/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,076
−HK$615/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,661
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$590/mo
Today · 4.125%
HK$22,831
baseline
▲ 0.50% · 4.625%
HK$24,034
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,662/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$718/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,609
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,271
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$688/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,114
−HK$923/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,925
+HK$1,888/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,362
−HK$884/mo
Today · 4.125%
HK$34,246
baseline
▲ 0.50% · 4.625%
HK$36,051
+HK$1,805/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$68,492/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,467 · 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).