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$16,339
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$517/mo
Today · 4.125%
HK$17,364
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,728/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,665
−HK$494/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,318/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,607
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$620/mo
Today · 4.125%
HK$20,837
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,267/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,674/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$593/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,203
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,875
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$723/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,131
−HK$692/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,237
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$930/mo
Today · 4.125%
HK$31,255
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,510/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$890/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,305
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,966 · 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).