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$16,251
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,757
−HK$513/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,321
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,079
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,564
−HK$492/mo
Today · 4.125%
HK$19,056
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,112/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,501
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,108
−HK$616/mo
Today · 4.125%
HK$20,724
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,448/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,695
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$590/mo
Today · 4.125%
HK$22,867
baseline
▲ 0.50% · 4.625%
HK$24,072
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,734/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$719/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,311
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$688/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,084
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,252
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$924/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,892/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$886/mo
Today · 4.125%
HK$34,301
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,602/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,806 · 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).