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$16,328
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$516/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,165
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,652
−HK$495/mo
Today · 4.125%
HK$19,147
baseline
▲ 0.50% · 4.625%
HK$20,156
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,294/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,594
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$620/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$593/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$722/mo
Today · 4.125%
HK$24,293
baseline
▲ 0.50% · 4.625%
HK$25,771
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,586/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,431
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,113
−HK$692/mo
Today · 4.125%
HK$26,805
baseline
▲ 0.50% · 4.625%
HK$28,218
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,610/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$929/mo
Today · 4.125%
HK$31,234
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,901/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,468/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,697
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,574
−HK$890/mo
Today · 4.125%
HK$34,464
baseline
▲ 0.50% · 4.625%
HK$36,280
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,928/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,823 · 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).