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$16,337
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$516/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$494/mo
Today · 4.125%
HK$19,156
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,312/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,214
−HK$619/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$22,101
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$593/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$722/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,784
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$693/mo
Today · 4.125%
HK$26,819
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,638/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$929/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,500/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$890/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,932 · 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).