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$16,233
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,737
−HK$513/mo
Today · 4.125%
HK$17,250
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,500/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$491/mo
Today · 4.125%
HK$19,034
baseline
▲ 0.50% · 4.625%
HK$20,037
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,068/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$616/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$590/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,432
−HK$719/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,620
+HK$1,469/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,282
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$688/mo
Today · 4.125%
HK$26,648
baseline
▲ 0.50% · 4.625%
HK$28,052
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,296/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,219
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$924/mo
Today · 4.125%
HK$31,051
baseline
▲ 0.50% · 4.625%
HK$32,940
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,102/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,505
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$884/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,562 · 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).