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$16,241
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,746
−HK$513/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,518/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$492/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$616/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,972
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,682
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$590/mo
Today · 4.125%
HK$22,853
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,706/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$718/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$689/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,234
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$924/mo
Today · 4.125%
HK$31,067
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,134/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$885/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,674 · 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).