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$16,215
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$513/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$1,048/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,464/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$490/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$615/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,647
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,227
−HK$589/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,019
+HK$1,203/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,407
−HK$717/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,254
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$687/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,094
−HK$923/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,904
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$883/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,329 · 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).