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$16,204
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$512/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$1,048/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,027
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$491/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$614/mo
Today · 4.125%
HK$20,664
baseline
▲ 0.50% · 4.625%
HK$21,921
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,328/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,212
−HK$589/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$717/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,467/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,237
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,914
−HK$687/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,003
+HK$1,402/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,167
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$922/mo
Today · 4.125%
HK$30,996
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,886/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$61,992/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,448
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,318
−HK$883/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$1,803/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,186 · 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).