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$16,335
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$516/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,718/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,172
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$494/mo
Today · 4.125%
HK$19,154
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,308/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$620/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,267/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,807
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$593/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,211/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,869
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$723/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,781
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,441
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$693/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,229
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$929/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,902/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,710
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$890/mo
Today · 4.125%
HK$34,477
baseline
▲ 0.50% · 4.625%
HK$36,295
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,954/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,907 · 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).