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$16,246
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$513/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,074
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$492/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,496
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,102
−HK$616/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,979
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$590/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,066
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,745
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$718/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,982
−HK$689/mo
Today · 4.125%
HK$26,671
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,342/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$924/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$885/mo
Today · 4.125%
HK$34,291
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,582/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,746 · 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).