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$16,205
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$512/mo
Today · 4.125%
HK$17,221
baseline
▲ 0.50% · 4.625%
HK$18,269
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,442/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,511
−HK$491/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,003
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$614/mo
Today · 4.125%
HK$20,665
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,330/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$589/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,687
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$717/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$686/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$922/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,884
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$883/mo
Today · 4.125%
HK$34,203
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,406/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,198 · 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).