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$16,224
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$513/mo
Today · 4.125%
HK$17,242
baseline
▲ 0.50% · 4.625%
HK$18,291
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,484/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,049
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$492/mo
Today · 4.125%
HK$19,025
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,050/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,469
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$615/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$589/mo
Today · 4.125%
HK$22,829
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,658/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,714
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$717/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,947
−HK$687/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,204
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$923/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,923
+HK$1,888/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$884/mo
Today · 4.125%
HK$34,244
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$1,805/mo
Deposit HK$712K · loan HK$6.40M · min. income ≈ HK$68,488/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,454 · 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).