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$16,230
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$513/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,496/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$491/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,082
−HK$615/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,957
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,667
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,248
−HK$589/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,041
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$718/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,469/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,278
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,956
−HK$688/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,214
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$923/mo
Today · 4.125%
HK$31,046
baseline
▲ 0.50% · 4.625%
HK$32,935
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,092/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,500
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,372
−HK$884/mo
Today · 4.125%
HK$34,256
baseline
▲ 0.50% · 4.625%
HK$36,062
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,512/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,528 · 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).