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$16,321
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$516/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,400
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,157
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$494/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,146
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,276/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,585
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$619/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$593/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,176
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,849
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$722/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$692/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,377
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$929/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$33,119
+HK$1,899/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$890/mo
Today · 4.125%
HK$34,448
baseline
▲ 0.50% · 4.625%
HK$36,263
+HK$1,815/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,896/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,723 · 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).