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$16,243
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$513/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,522/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,070
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$492/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,092/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,491
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,097
−HK$616/mo
Today · 4.125%
HK$20,713
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,426/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,684
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$590/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,740
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$719/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,636
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$688/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$924/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,525
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,398
−HK$885/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,090
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,694 · 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).