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$16,239
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,744
−HK$513/mo
Today · 4.125%
HK$17,257
baseline
▲ 0.50% · 4.625%
HK$18,307
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,514/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,065
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$491/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,045
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,486
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,093
−HK$615/mo
Today · 4.125%
HK$20,708
baseline
▲ 0.50% · 4.625%
HK$21,968
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,416/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,678
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,260
−HK$590/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,441
−HK$719/mo
Today · 4.125%
HK$24,160
baseline
▲ 0.50% · 4.625%
HK$25,630
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,320/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,291
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$688/mo
Today · 4.125%
HK$26,658
baseline
▲ 0.50% · 4.625%
HK$28,063
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,316/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$924/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,953
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,390
−HK$884/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,643 · 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).