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$16,250
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$513/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,078
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$492/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,110/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$616/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$590/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,458
−HK$719/mo
Today · 4.125%
HK$24,177
baseline
▲ 0.50% · 4.625%
HK$25,648
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,354/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,310
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$688/mo
Today · 4.125%
HK$26,677
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,354/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$924/mo
Today · 4.125%
HK$31,085
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,891/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,170/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$885/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,797 · 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).