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$16,308
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$515/mo
Today · 4.125%
HK$17,330
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,660/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,142
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$493/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,569
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$618/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,771
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$592/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$722/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,739
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,399
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$691/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,354
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$928/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,656
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$888/mo
Today · 4.125%
HK$34,420
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,840/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,552 · 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).