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$16,253
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$514/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$492/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,110
−HK$616/mo
Today · 4.125%
HK$20,726
baseline
▲ 0.50% · 4.625%
HK$21,988
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,452/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,697
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,279
−HK$591/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,075
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,754
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$719/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,652
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$689/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,255
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,165
−HK$925/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,891/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$885/mo
Today · 4.125%
HK$34,304
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$1,809/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,608/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,829 · 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).