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$16,333
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,841
−HK$517/mo
Today · 4.125%
HK$17,358
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,716/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$494/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,210
−HK$619/mo
Today · 4.125%
HK$20,829
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,658/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,805
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$593/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,211/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,578
−HK$723/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,439
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$692/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$929/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,707
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$890/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,889 · 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).