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$16,324
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$516/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,160
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$494/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,589
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,198
−HK$619/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$593/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,180
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,854
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$723/mo
Today · 4.125%
HK$24,287
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,574/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$692/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,211
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,596/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$929/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$890/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,766 · 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).