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$16,323
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$516/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,692/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$494/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$619/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,790
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$593/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,852
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$723/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$692/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$928/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$33,123
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,686
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$890/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,747 · 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).