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$16,315
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$516/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,676/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,150
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$494/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$618/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$593/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,841
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$722/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$691/mo
Today · 4.125%
HK$26,783
baseline
▲ 0.50% · 4.625%
HK$28,195
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,566/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,367
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,280
−HK$928/mo
Today · 4.125%
HK$31,208
baseline
▲ 0.50% · 4.625%
HK$33,107
+HK$1,899/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,416/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,670
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$889/mo
Today · 4.125%
HK$34,435
baseline
▲ 0.50% · 4.625%
HK$36,250
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,870/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,645 · 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).