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$16,325
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$516/mo
Today · 4.125%
HK$17,349
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,698/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$495/mo
Today · 4.125%
HK$19,143
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,590
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$619/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,794
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$593/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,182
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,855
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,566
−HK$722/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$692/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,385
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$929/mo
Today · 4.125%
HK$31,228
baseline
▲ 0.50% · 4.625%
HK$33,128
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,456/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,691
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,567
−HK$890/mo
Today · 4.125%
HK$34,457
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,914/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,779 · 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).