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$16,233
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$513/mo
Today · 4.125%
HK$17,251
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,502/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$492/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$615/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,252
−HK$590/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$718/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,621
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$688/mo
Today · 4.125%
HK$26,649
baseline
▲ 0.50% · 4.625%
HK$28,053
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,298/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,220
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$924/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,506
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,378
−HK$885/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,069
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,570 · 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).