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$16,222
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$513/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$1,048/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,047
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$491/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,025
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,467
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$615/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$590/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,030
+HK$1,203/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$717/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,469/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$687/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,404/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,200
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,108
−HK$923/mo
Today · 4.125%
HK$31,031
baseline
▲ 0.50% · 4.625%
HK$32,919
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,062/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,485
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,356
−HK$884/mo
Today · 4.125%
HK$34,240
baseline
▲ 0.50% · 4.625%
HK$36,045
+HK$1,805/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,480/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,427 · 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).