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$16,316
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$515/mo
Today · 4.125%
HK$17,339
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,678/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$493/mo
Today · 4.125%
HK$19,132
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,264/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,580
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,189
−HK$618/mo
Today · 4.125%
HK$20,807
baseline
▲ 0.50% · 4.625%
HK$22,073
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,614/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$593/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$722/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$691/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,369
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$928/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,899/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$889/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,664 · 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).