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$16,223
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$512/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,048
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$491/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,026
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,468
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$615/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$590/mo
Today · 4.125%
HK$22,828
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,656/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,712
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,419
−HK$717/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$687/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,036
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,201
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$923/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,486
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,357
−HK$884/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$1,805/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,437 · 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).