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$16,241
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$513/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$492/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,090/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,490
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$616/mo
Today · 4.125%
HK$20,712
baseline
▲ 0.50% · 4.625%
HK$21,972
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,424/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,682
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,264
−HK$590/mo
Today · 4.125%
HK$22,854
baseline
▲ 0.50% · 4.625%
HK$24,058
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,708/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,738
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$719/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,974
−HK$688/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,068
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,235
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$924/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,958
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,523
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,395
−HK$885/mo
Today · 4.125%
HK$34,280
baseline
▲ 0.50% · 4.625%
HK$36,087
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,560/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,680 · 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).