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$16,335
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$517/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,173
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$495/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,212
−HK$619/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$22,099
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,807
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$593/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,197
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,869
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$722/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,782
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,124
−HK$692/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,230
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,318
−HK$929/mo
Today · 4.125%
HK$31,247
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,494/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,711
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,588
−HK$890/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,296
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,913 · 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).