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$16,255
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,761
−HK$513/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,083
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,568
−HK$492/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,506
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,113
−HK$616/mo
Today · 4.125%
HK$20,729
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,458/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,700
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$590/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,078
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$719/mo
Today · 4.125%
HK$24,184
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,368/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$689/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$925/mo
Today · 4.125%
HK$31,094
baseline
▲ 0.50% · 4.625%
HK$32,986
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,188/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$886/mo
Today · 4.125%
HK$34,309
baseline
▲ 0.50% · 4.625%
HK$36,117
+HK$1,808/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,618/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,857 · 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).