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$16,248
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,754
−HK$513/mo
Today · 4.125%
HK$17,267
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,534/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,076
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$492/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,498
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$617/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$590/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,748
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$719/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,645
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,307
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$689/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,157
−HK$924/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,891/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$885/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,770 · 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).