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$16,213
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$512/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$1,048/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$491/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,014
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,024/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$615/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,352/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$589/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,017
+HK$1,203/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$717/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$687/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,184
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,092
−HK$922/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,901
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,467
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$883/mo
Today · 4.125%
HK$34,221
baseline
▲ 0.50% · 4.625%
HK$36,025
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,442/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,310 · 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).