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$16,311
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$515/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,389
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$493/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,135
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$619/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$593/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,546
−HK$722/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$691/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,360
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$928/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,899/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,663
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$889/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,598 · 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).