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$16,324
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$515/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,160
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$494/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,589
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,198
−HK$619/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$592/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,180
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$722/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$692/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,596/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$928/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$33,125
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$889/mo
Today · 4.125%
HK$34,454
baseline
▲ 0.50% · 4.625%
HK$36,270
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,908/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,764 · 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).