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$16,327
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$516/mo
Today · 4.125%
HK$17,351
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,702/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$494/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,593
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$619/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$22,088
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,797
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$593/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,185
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,858
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$723/mo
Today · 4.125%
HK$24,292
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,584/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$691/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,216
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,389
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$929/mo
Today · 4.125%
HK$31,232
baseline
▲ 0.50% · 4.625%
HK$33,132
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,464/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,695
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,572
−HK$890/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,278
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,809 · 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).