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$16,227
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$512/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,294
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,052
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$491/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,054/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$615/mo
Today · 4.125%
HK$20,693
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,386/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,663
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,244
−HK$589/mo
Today · 4.125%
HK$22,833
baseline
▲ 0.50% · 4.625%
HK$24,037
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,666/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$687/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,405/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$923/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,889/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$884/mo
Today · 4.125%
HK$34,249
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$1,806/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$68,498/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,487 · 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).