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$16,228
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$513/mo
Today · 4.125%
HK$17,246
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,492/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,054
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$491/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$615/mo
Today · 4.125%
HK$20,695
baseline
▲ 0.50% · 4.625%
HK$21,954
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,390/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$590/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$718/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,469/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$688/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$923/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,497
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$884/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,505 · 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).