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$16,310
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,817
−HK$516/mo
Today · 4.125%
HK$17,333
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,666/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$494/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,133
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,250/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,572
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$618/mo
Today · 4.125%
HK$20,799
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,598/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$592/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,160
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,834
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$722/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,403
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$691/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,186
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$928/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,899/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,661
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$888/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,240
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,583 · 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).